A Better Underwriting Rules Engine

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Through the power of Apptical’s Predictive Underwriting Rules Engine (PURE), you can underwrite and approve an individual — in record time — for a new life insurance policy. Your sales-acquisition approvals, which once took days or weeks, are now reduced instantly to a real-time, TRUE point-of-sale decision.

By using PURE, a life insurance rules engine, in conjunction with Apptical’s SoundDecisions and LiveApp software platforms, you dramatically reduce the time to complete the application, obtain other needed information and make consistently intelligent underwriting decisions. In short, PURE greatly enhances the quality and quantity of new business your company writes.

PURE is also a tool for managing risk. PURE accepts external-source information and data from our SoundDecisions tele-underwriting platform to provide immediate decision-placement guidance. PURE also accepts and integrates third-party information — MIB reports, prescription data, MVR and IVR information, and anything else you need — with ease and speed, enabling underwriters to make a “yes” or “no” decision in record time and issue the insured the appropriate coverage.

Because PURE manages internal information, Apptical offers its customers a unique opportunity. PURE provides you with the infrastructure to tie data together with an automated, rules-based approach. The resulting speed and consistency allow for underwriting decisions at the point of sale, which can generate more business and give you a clear competitive advantage.

PURE is much more than an insurance rules quoting/rating engine. It’s a way to underwrite more efficiently, which changes altogether the way you underwrite and sell business.

Policies Underwritten to Date

How else can you benefit from PURE?

Predictive Underwriting Rules Engine

Underwrite and approve an individual — in record time — for a new life insurance policy.

Client-centric UW Rules

Keep your “secret-sauce of underwriting expertise” with PURE’s unique customization abilities.

Evaluate Data

Integrates third-party data — MIB reports, prescription, MVR and IVR information — with ease and speed.

Decision at Point-of-sale

Speed and consistency provide underwriting decisions at the point of sale.

Consistent Underwriting

Receive the same decision every time and achieve 100% consistent results, time after time.

Instant Real-time results

PURE users gain increased agent satisfaction to generate more business and give a competitive advantage.

PURE is much more than an insurance rules quoting/rating engine. It’s a way to underwrite more efficiently, which changes altogether the way you underwrite and sell business.