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Life Insurance

Become the insurer that truly understands its customers. Digital innovation offers the opportunity to connect with customers through personalized experiences powered by data.

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Trusted by 40+ institutions around the world

Keep in touch with your customers

Life insurance has always been an industry that has had trouble keeping in touch with its customers. Agents, brokers, bancassurance, and other indirect channels keep those customers at arm’s length. This is a problem in today’s digital world where consumers are spoiled for choice; convenience and a personal touch is what wins customers over.

For the millennials that should be your future customers, traditional, lengthy, and often intrusive underwriting processes take too long and stand out like a sore thumb compared to other customer experiences they have in their daily lives. Innovation is needed to reduce friction in underwriting and to keep in touch with customers that would otherwise just be names on orphaned policies.

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Introducing FintechOS for Life Insurance

The FintechOS platform is our customer-centric digital-on-top platform for Life Insurance that lets you build smarter policies, data-driven underwriting, better customer experiences, and more personalized interactions. The FintechOS platform empowers life cover providers to create products and services quickly through pre-built functionality and low-code innovation.

The FintechOS platform is designed to build end-to-end customer journeys for processes such as quote and apply, beneficiary experiences and customer service. Our customer journeys include personalization at every touch point, data-driven automation, and digital workflow management and case management to reduce manual intervention. This leads to a consistently better customer experience and a much faster throughput in the backoffice.

The FintechOS platform includes policy management, claims management, and advanced underwriting capabilities. The Product Catalogue enables rapid product development through configuration and low-code development, allowing cross-functional teams to prototype and innovate free from coding and developers. The flexible and modular architecture offers building blocks to develop tailored propositions, reducing costs, risks, and time to market.

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Benefits for Life Insurance

Think customer first

Organize your services around the customer and create truly personalized experiences that will help you keep in touch with policy holders.

Learn quickly, innovate quickly

Use the flexibility of the FintechOS platform to test and learn what works and apply those lessons quickly in your customer journeys and policies.

Leverage digital automation

Replace lengthy underwriting processes with data-driven decisioning to reduce shopping cart abandonment and increase customer satisfaction.

Bring new products to market

Launch an entirely new form of coverage from policy management to agent portals and customer interfaces and get to market quickly with our pre-built, low-code approach.

Move at the same pace as your customer

Build personalized customer experiences with our platform’s digital-on-top architecture while keeping your system of record in place.

Customer Journeys – Design for convenience

Customer data is an integral part of the FintechOS platform, enabling data-driven customer journeys and improvements in overall customer experience

Life Insurance solutions

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Policy Administration and Servicing

Launch new products in weeks with policy creation, administration, and servicing in one digital layer, powered by the flexibility of the FintechOS platform.

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Quote & Bind Customer Journeys

Create an end-to-end digital quote and apply journey for customers, agents and other channels. Smart features such as biometrics, digital document creation, video calls, and co-browsing will increase key performance metrics such as customer satisfaction and conversion.

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Beneficiary Experience

Improve the beneficiary claims experience from initial touch point to resolution. Seamlessly interact with beneficiaries and apply personalization and automation to change focus from intensive manual administration to delivering a superior experience.

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Channel Engagement

Streamline your digital interactions with agents, brokers, and bancassurance with integrated portals to shorten quote and bind dramatically and make younger customers attractive to serve.

What our customers are saying

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Howden Group’s divisions collectively operate across multiple business lines and global markets. However, they are inextricably linked by core technology. Bold market propositions were being put forward by each business unit, but this was met with challenges from IT given the constraints of the existing technology that was typically mandated for delivery.

  • Increased automation allowed 120% growth in key product lines
  • Reduction in manual processing provided significant savings
  • Creation of a rapid deployment runway

Using FintechOS has already helped us improve the efficiency of a number of high importance operations by more than 50%. The system not only allows us to offer a great customer experience, but we’re doing it faster, and we’re doing it without errors.

– Raj Sakaria, Director of Enterprise Architecture, Howden Group

Real ROI for every team


The FintechOS platform gives you the ability to innovate continuously. You can bring new forms of coverage to market more quickly than ever. You can proactively respond to market conditions without being held back by legacy systems that can’t keep up with the pace of product innovation.

  • Reduce time-to-market
  • Personalise products
  • Create customer journeys


Provide faster and more convenient ways for Agents and Brokers to interact with your company through digital channels. Enable automated decisioning to rapidly onboard new customers.

Launch new digital journeys direct to customers and through bespoke branded website or portals with partners.

  • Multiple data enrichments
  • Rapid deployment across different channels
  • Rating and pricing at customer/benefit level


Create intuitive customer digital journeys to avoid unnecessary calls into contact centre teams. Eliminate paper-based processes with advanced workflow management and case management, significantly improving efficiency across Operations teams. Guided processes allow for shorter training programs for onboarding new colleagues.

  • Improve customer satisfaction metrics (NPS, CSAT)
  • Increase efficiency and processing rates
  • Accelerate training times and reduce colleague attrition


Enhanced digital functionality enables you to improve the customer experience and engagement, and ultimately reduce time to settlement. Supplier allocation and management can be optimized through advanced workflows and integrations.

  • Digital FNOL and claims assessment
  • Automate supplier management tasks
  • Advanced workflow management and integrations with 3rd parties


The FintechOS platform enables you to think beyond managing your legacy infrastructure and build a bridge to the latest technologies. Support your business with true innovation and focus on building new technology instead of maintaining out of date systems.

  • Integrated data from existing infrastructure
  • Benefit from ecosystem functionality
  • Build customer journeys faster with modular Automation Blocks


Integrate data from new sources to support smarter underwriting capabilities. Experiment with AI, telematics and real-time underwriting, enabling the development of innovative products.

Navigate future challenges using automation and a sophisticated rule engine.

  • Easily integrate new data sources
  • Tap into new insights enabling wider variety of risk coverage
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Learn how you can get up and running with your solution in 12 weeks.​

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