Established 2007 · Auckland, New Zealand

Pioneers of automated
life and health underwriting.

Two decades ago, we launched iUnderwrite the world's first fully-underwritten, instant-issue life insurance platform.

We've been perfecting it ever since.

Today, iUnderwrite is a fully configurable SaaS platform — from auto-underwriting and straight-through processing to workbench case management and AI-supported decisioning — deployed for life and health insurers across eight markets.

Request a Demo Meet the Team

Why Intelligent Life?

Where we've come from tells you where we're going.

Most underwriting platforms are built by technology companies looking to enter insurance. Intelligent Life was built the other way around — by life-insurance practitioners who set out to digitise their own profession.

Insurance-first

Our leadership team brings over 110 combined years of insurance and IT experience. Every decision in the platform — from rule taxonomy to workbench layout — is shaped by people who have spent careers underwriting, designing, and selling health and life insurance.

Two decades. Eight markets

Intelligent Life has delivered automated underwriting solutions since 2007 — longer than most competing platforms have existed. From New Zealand to Australia, South Africa, the US, China, Malaysia, Singapore, and Hong Kong, we’ve stress-tested iUnderwrite across direct, adviser, telesales, and bancassurance channels.

Fully managed delivery

Most insurers don't need another software project — they need a working solution, delivered as a business project. Intelligent Life manages everything from discovery through go-live. Your team focuses on what matters: validating requirements, user acceptance testing, and final sign-off.

Reinsurer-grade rule design

Our underwriting rules are developed in partnership with a global reinsurance group and carry their formal endorsement. That backing gives our customers a level of actuarial credibility that technology-only vendors cannot offer.

Proven across regulatory regimes

The platform has operated under the FMA, APRA, MAS, BNM, FSCA, the PRC regulator, and US state authorities. Cross-border experience means jurisdiction-specific rules, consent flows, and disclosures are an inherent capability, not a custom build.

A long-cycle product

Twenty years of accumulated insurance domain knowledge are embedded in iUnderwrite — corner cases, regulator quirks, distribution patterns, and edge-case mathematics. Most competing platforms have been operating for much shorter periods.

What is iUnderwrite?

The complete auto-underwriting platform.

iUnderwrite is a fully configurable, cloud-native platform built specifically for life and health insurers. From a single platform, your teams can manage every stage of the underwriting lifecycle — automated decisioning, manual referrals, complex risk assessment, document generation, and policy issuance — across all cover types and distribution channels.

Delivered as a fully managed SaaS solution, iUnderwrite is configurable to your products, your rules, your brands, and your markets — with no infrastructure to manage and minimal bespoke development required.

iUnderwrite is built with enterprise-grade cybersecurity at every layer. All software development follows a Secure Software Development Lifecycle, with independent penetration testing conducted annually. Access is secured via OAuth 2.0 with role-based authorisation, two-factor authentication enforced for all production users, and all data encrypted in transit and at rest. Hosted on AWS with 99.9% uptime guaranteed under our standard SLA.

See All Features

From quote to policy

End-to-end digital application — from needs analysis and quoting through disclosure, offer, payment, and policy issue. Every product, every channel, every brand, on one platform.

Configurable rules engine

Transparent, configurable underwriting decisions your team owns and your auditors can follow. Every rule executed, every fact evaluated, and every outcome is recorded — producing defensible decisions and a complete audit trail.

Your products, your rules, your brands

Multi-tenant, multi-market, multi-language by design. Run multiple brands, channels, and jurisdictions from a single platform instance — with full data isolation and white-label theming.

Enterprise-grade infrastructure

Cloud-native on AWS, audit-ready, regulator-ready. Role-based access, full action logging, and configurable data retention. Detailed architecture and security documentation under NDA.

AI-Supported Underwriting

iUnderwrite includes optional AI-powered functionality that can be configured to support and accelerate underwriting decisions.

Available as a premium add-on and designed to fit each insurer's specific workflows. It works alongside your underwriters, enhancing their judgement — never replacing it.

Request a Demo

Trusted by insurers globally

Insurance Covers We Underwrite

Purpose-Built for Life & Health Insurance

iUnderwrite handles every major life and health cover type on a single platform — with product-specific questionnaires, rating, and underwriting rules for each.

Life Insurance

Term life and whole-of-life cover with configurable sum insured bands, smoker/non-smoker rating, and reinsurance-backed medical underwriting rules.

Health Insurance

Hospital, surgical, and medical benefits with pre-existing condition assessment, waiting period management, and ancillary benefit configuration.

Trauma & Critical Illness

Defined event trauma cover with condition-level underwriting, accelerated and standalone benefit structures, and partial payment rules.

Income Protection

Short and long-term disability cover with occupation class rating, benefit period and waiting period selection, replacement value calculation and full financial underwriting.

Business Protection

Key person business expense cover with commercial financial and health underwriting, plus business valuation rules.

Family & Multi-Life

Single application for multiple lives — couples, families, and business partners — with per-life underwriting, joint ownership structures, and consolidated policy issuance.

View All Products

Two ways to engage with us

Strategic evaluators and technical buyers need different things from a first conversation. We've separated the two so you can start where it matters most for you.

For evaluators

CEO, board member, or strategy lead doing due diligence on the company and the platform. A 45-minute briefing covers our history, customer footprint, reinsurer relationships, and product direction. NDA on request.

Book a Briefing

For buyers

CIO, Head of Underwriting, or procurement lead evaluating the platform for deployment. A capability deep-dive covers architecture, security, integration surface, AI modules, and deployment options. Released under mutual NDA.

Request a Deep‑Dive