SymbioSys Auto Underwriting is a powerful service that enables the field sales force to underwrite a case right in front of the prospect, using handheld digital tools. It has the capability to provide decisions even in a disconnected mode. This service is extensively used by Life and Health insurers across different countries. This enhances the experience of your customers, distribution agents and partners, by improving sales closures.

Over 8 million applications for 24 customers across 9 countries have passed thru SymbioSys Auto Underwriting. Some of our customers have achieved STP rate of over 80%.


On Premise

On Cloud

Functional Overview Diagram

Business Challenges

  • Ability to underwrite case at source using digital tools
  • Quick sales closure
  • Differentiated underwriting rules based on customer / producer profile
  • Inconsistent underwriting decisions

Business Drivers

  • Improved STP rate
  • Quick policy issuance
  • Reduced new business acquisition cost
  • Improved underwriting quality


  • Ability to define rules based on product, geography, customer/distributor profile, medical/lifestyle questionnaire etc.
  • Ability to rollup lower level decisions to Insured and Application level
  • Ability to compute total sum at risk at each benefit level for limit checks
  • Supports Field Underwriting on mobile devices in disconnected mode
  • Underwriting decision analytics to improve underwriting quality and STP rate

Business Benefits

  • Improved STP rate
  • Quick Policy issuance
  • Reduced Underwriting and New Business acquisition cost
  • Improve distributor and customer experience
  • Analytics based rules refinement to improve underwriting quality

Case Study

Excellence is not attained in a day! Our teams have worked beyond expectations to attain in-depth knowledge and offer customized solutions to our clients and partners. We carefully analyse our reach and every strategy to stay true to the time.

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