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ALIP New Business and Underwriting


Drive digital transformation and grow your business profitability
across a multichannel, device-driven market.

Tomorrow’s new business opportunities start with today’s digital strategies. Deliver more—choices, channels, faster decisions—profitably with ALIP New Business and Underwriting. This powerful platform helps you accelerate product introduction, automate application and underwriting processes, and streamline case management and requirements gathering. ALIP addresses direct-to-consumer and producer-initiated models, guaranteed or simplified issue products, to fully underwritten policies.


Key Features

  • Full application lifecycle management:

  • Electronic / paper applications

  • Automated underwriting and case management

  • Real-time data validation

  • Automated decision engine

  • Consolidated workbench views

  • Extensive list of third-party integrations

  • Work orchestration

  • Document management

Electronic applications

  • Receive electronic applications and images from external portals via an ACORD transaction

  • Web-based user interface, with reflexive questions presented dynamically, populates and generates completed new business forms for signature

  • Electronic signature, digital form and pen integration, in addition to industry standard signature tablets

  • Seamless application and underwriting integration

Automated underwriting

  • Automates underwriting decisions from simplified to complex iterative analysis

  • Pre-populated and configurable underwriting guidelines and rules

  • Iteratively evaluates application data and evidence with a series of underwriting decisions including: approve automatically, request additional information from third-party sources, or refer the case to an underwriter

  • Automatically assign risk and ratings

Case management

  • Flexible rules automatically assign cases, and when work is required, generate and deliver tasks to assigned user/team

  • Facilitates data validation and complex tasks related to case administration

  • Role-based security

  • Complete audit history of changes

Case workbench

  • Consolidates and maintains case data in one place, including application data, insured and case level requirements, tasks, case notes, images, decision factors, amendments, reinsurance and decisions

  • Alerts to an underwriter for application data or evidence that it’s out of bounds

  • Configure user rights to permission which sections within the Workbench users can view

  • Configure which data to display in each section within the Workbench

Requirements management

  • Out-of-the-box-ready ACORD interfaces to third-party providers further streamlines and automates the underwriting process

  • Automated requirements orders and workflow matching and follow-up

  • State-specific and other custom requirements forms

  • Reporting and analytics for enhanced requirements management

Business configuration workbench

  • Enables carriers to own their processes and automate requirement orders, electronically evaluate requirement results, and continually adapt new business and underwriting processes

  • Easily configure business rules and workflow, and define user conditions and actions

  • Supports “instant-issue” underwriting decisions or recommends underwriter review

  • Easily create web pages without a web developer or programmer

Product configuration workbench

  • Out-of-the-box-ready product templates—preconfigured and production tested—accelerate product introduction

  • Preconfigured rules around new product features, riders and benefits easily adapt to your underwriting preference

Third-party integrations

  • Extensive library of prebuilt interfaces with third-party vendors accelerates integration and further automates and streamlines the underwriting process


Give your customers MORE of what they’re looking for.

Learn how ALIP helps you operate at the speed and
efficiency of a profitable digital business.