SymbioSys Underwriting is a powerful service that enables the insurer to easily setup its underwriting division uniquely. It can offer differentiated service to its key customers and distributors, to achieve an improved experience. It offers a comprehensive underwriting workbench giving a 360°view of Customer profile, Application data including the medical questionnaire, Historical Policy information etc. for timely, consistent, and quality underwriting decisions .It uniquely addresses the underwriting needs of all Life and Health Insurance carriers, along with necessary regulatory compliance.

Over 8 million applications for 24 customers across 9 countries have passed thru SymbioSys Underwriting.


On Premise

On Cloud

Functional Overview Diagram


  • Ineffective case management
  • Manual case allocation and tracking
  • Single view of customer for timely and quality underwriting decision
  • Inconsistent underwriting decisions


  • Improved underwriting efficiency
  • Differentiated service to key customers and distributors
  • Reduced time for policy issuance
  • Reduced new business acquisition cost


  • Ease of setting up Underwriting division uniquely to improve Underwriting efficiency
  • Automated case routing based on the competence
  • Comprehensive underwriting workbench for 360°view of Customer profile, Application data, Historical Policy information etc.
  • Ability to provide counteroffer like Increase/Decrease Sum Assured, Add/Remove Riders, Modified Policy/Payment terms, Plan Options etc.
  • Ability to do case sampling for Quality control

Business Benefits

  • Efficient and effective case management
  • Consistent decision making
  • Reduced Underwriting and New Business acquisition cost
  • Improve distributor and customer experience
  • Analytical information for improving 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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