We implement 
auto-underwriting solutions 
for insurance companies.

What we do

We implement auto-underwriting solutions for insurance companies.

The internet has changed how consumers seek insurance.  Yet, the internet has not changed how most life and health insurers sell their products.

That’s where we step in.

What we do.

We design, develop and implement auto-underwriting software for life and health insurance companies seeking to digitize their sales channels.

This isn’t just ‘what we do’. It’s all we do.

Using our automated underwriting software, it takes just minutes for an individual to complete a digital insurance application and be offered competitively-priced, fully-underwritten insurance cover, online.

No medical exam. No paper. No delays. Just a keyboard, a credit card and an instant decision, and the applicant can purchase the cover immediately.

Our underwriting software doesn’t just make it quick and easy for consumers buying cover online, our software also powers ‘point-of-sale’ solutions for insurance agents, helping them sell insurance products quickly and effectively.

Why insurers use us

Five reasons insurers use our auto-underwriting software.

Why insurers use us.

Empower insurance agents
Insurance advisers and tele-sales agents prefer solutions with instant-decisioning to speed up the sales process.

Reach younger consumers
Younger consumers resonate with a simple online journey with auto-decisioning and immediate policy issue.

Reduce acquisition costs
Replacing people, paper and medical exams with
auto-underwriting and straight-through-processing will reduce costs. Insurers can gain a sustainable cost advantage over their competitors.

Improve underwriting outcomes
Automating the underwriting process typically improves the accuracy & consistency of underwriting decisions.

Gain business insights
By digitizing the underwriting process, insurers accumulate masses of data that can be used to gain business insight and
improve decision making.

Our Company

Intelligent Life

Established in 2007, Intelligent Life was the first Insurtech in the world to integrate auto-underwriting software into an end-to-end, digital sales process, enabling individuals to purchase fully-underwritten life insurance policies online, with instant cover.

We’ve since deployed our software in Australia, New Zealand, Singapore, Malaysia, China, Hong Kong, South Africa and USA, for both life and health insurance.

We’ve spent years working closely with reinsurance companies and our underwriting rules have gained the support of two reinsurance groups.

Five things we specialise in.

World class underwriting
We offer world-class expertise in both traditional and automated underwriting. We’ll work with your underwriting team to develop your auto-underwriting rules from the ground up, or we’ll adapt our ‘base’ rules to meet your company’s needs. Either way, we’ll get you up and running with auto-decisioning across all your life, critical illness, income protection, disability and health products.   

Digital insurance
‘Going digital’ involves a lot more than selling existing insurance products via a corporate website. To achieve success, insurers must combine ‘product simplification’ with merging processes, people and technology. We’ve spent years helping insurers do just this.

Bridging the gap
We specialise in managing cross-functional projects in life and health insurance companies, bridging the gap between underwriting, product, technology, e-commerce, sales, marketing and customer support.

Process design
The ‘journey’ you create for customers buying insurance can make or break the success of a digital strategy, so understanding the journey from your customer’s perspective is the key to design. We’ll help map your ultimate customer journey, starting with the customer and working back from there.

Cutting edge software
Of course. We’re an ‘Insurtech’; so technology is our bread and butter. We pride ourselves in developing sustainable, secure and modular software that is both feature-rich and maintainable.

Our product

Our product delivers world class auto-underwriting.

When we created our digital insurance software in 2007, it was a world first. We’ve spent the past 16 years perfecting it.

Digital sales & underwriting platform (iUnderwrite)

We offer a comprehensive set of software modules capable of delivering a full, end-to-end insurance sales process online, including needs analysis and quote, e-application, auto-underwriting, digital signature, up-sell or cross sell, offer and acceptance, payment processing (via third party gateway), policy issue, reporting and data analytics.

Auto-underwriting rules engine

The cornerstone of our digital insurance software is our auto-underwriting rules engine. Underwriting rules can be quickly and easily configured to auto-decision life, critical illness, disability, income protection and health products to meet the specific needs and underwriting philosophy of any insurer. Our rules engine is also available as a ‘self-contained’ module, which can be integrated into an insurer’s own online sales process. For some markets, we’ll connect our engine with third-party resources such as prescription databases, motor vehicle records, credit scores and prior insurance disclosures (MIB), to enhance real-time decisioning.

Decisioning augmented with AI
Underwriting decisions can be augmented with a
layer of AI-generated information to increase the
underwriter confidence in the engine’s decision-making.

Underwriting workbench

For exceptional cases that cannot be auto-decisioned, our software includes an underwriting workbench for manually assessing and decisioning insurance applications.

Technical highlights

  • Configurable underwriting rules. No-code rule changes. No IT people required.

  • Configurable customer journey. Steps in the insurance application process easily added, modified or removed.

  • Auto rule versioning. Pre-existing insurance applications unaffected when rules are changed.

  • User-responsive UI. Seamless experience across desktop and mobile devices.

  • Seamless interfacing: Connects with other systems through our
    standard/published API’s.

  • Easy data access. Data & analytics accessed via dashboards, reports, and data extracts.

  • Modular/extendable architecture. Features added or modified quickly and easily.

  • Cloud-hosted service. Provided to insurers as a hosted solution.
    Hosted on AWS (Amazon Web Services). Enhanced scalability &

  • Multi-tenanted. Used concurrently by multiple insurers, resulting in a low-cost, tried & tested, low-risk solution.

  • Cyber-secure. Software tech stack refreshed annually via a
    Secure-SDLC process. Annual pen-testing by a specialist third-party.

Our journey

Where we’ve come from should tell you
a lot about where we’re going.

Intelligent Life created world’s first ‘fully-underwritten’ instant life cover for direct consumers in New Zealand.

Winner, Web Design Award – IMA, New York, USA
Winner, Insurance Innovation – INN, Chicago, USA
 First to launch ‘fully-underwritten’ instant-issue life insurance in Australia

First to launch ‘fully-underwritten’ instant life cover in South Africa
Finalist, New Zealand Internet Awards – Wellington, NZ
Winner, Davy Insurance Website Award – Kentucky, USA
Winner, WriteMark Plain English Award – New Zealand

Winner, Webby Design Award – New York, USA

Launched point-of-sale software for agents selling term life in 48 US states – Chicago, USA

First to launch an ‘instant-issue’ life insurance platform in China 

First to launch an ‘instant-issue’ life insurance platform in Malaysia

Launched ‘instant-issue’ life cover direct consumer in Singapore

First in World to launch ‘instant health cover’- Wellington, New Zealand
Named as ‘One to watch – CIO Top 100 Innovators’ awards – Auckland, New Zealand

Launched auto-underwriting as a cloud-hosted service for the global insurance market

Launched a cloud-hosted auto-underwriting solution for a leading digital insurer – Hong Kong

Launched a cloud-hosted auto-underwriting solution for a multinational health insurer – New Zealand.
Launched a cloud-hosted telesales solution for auto-decisioning Life, Trauma, TPD & IP products – Australia

Extended an existing client’s solution to offer products under multiple, direct, white-label brands – Australia

Launched a cloud-hosted auto-underwriting solution for bancassurance, with enhanced cybersecurity – New Zealand

Innovating a solution for a related company enabling life insurance to be bought/sold via a marketplace – Australia


Contact us

For more information

Ed Saul



Our physical address

Campus261, Building 730, Level 2, 261 Morrin Road, St Johns, Auckland, 1072, New Zealand


en_NZEnglish (New Zealand)