Life and annuity software that keeps decades of servicing right

A life policy or an annuity can stay on the books for 40 years. Over that time it sees beneficiary changes, premium mode changes, riders, loans, withdrawals, and finally a payout, and each one has to be right.

Older admin systems often hold the record well but leave the reading, checking, and letters to people. As the book grows, the queue grows with it, and so does the cost per policy.

Applications move through rules you configure: evidence requirements, eligibility checks, and rating. Quotes come from the same rules as new business, so what an advisor shows matches what the policy does.

KYC and anti-money-laundering checks run during onboarding, before the policy issues. For illustrations, we connect the illustration system you use, so the numbers agree with the policy.

InsureEdge handles new business, endorsements, renewals, cancellation, reinstatement, and rewrite. Policy and accounts already work with AI agents, so a servicing request is read, checked, and drafted before a person sees it.

Your servicing team approves each change. The agent's work, the rule it followed, and the approver all sit on the record.

The life module handles policy loans, withdrawals, and benefit payouts. Billing, with premium collection and the general ledger, runs as its own module.

Agents for these modules follow policy, claims, and accounts, which already work with them. Until then, each one runs through its own screens and APIs.

A death claim needs a certificate, the right beneficiaries, and the correct payout. Agents gather the documents, check them against the policy, and draft the settlement with the reason.

Your claims examiner decides. The beneficiary gets an update at each step instead of weeks of silence.

Treaty and facultative cessions tie to each policy in force, so a new issue or a lapse updates what's ceded. Documents are stored with the policy they belong to.

Advisors quote and submit from their portal. Policyholders see values, pay premiums, and request changes from theirs or on their phone.

Long-duration policies bring frequent servicing, renewals, and claims, and each one touches the policy, the billing, and often the reinsurance. When those sit together, there's less re-keying and fewer errors. With InsureEdge you can still adopt one module first and add the rest later.

Quotes come from the same rating rules InsureEdge uses for new business, so they match the issued policy. For illustrations, we connect the illustration system you already run through APIs, or build what's missing. Either way, the advisor and the policy show the same numbers.

You control access by role, and every action is tracked, including the work agents do. InsureEdge can run on shared or dedicated hosting, or in your own environment. Each agent signs in with its own permissions.

It covers issue, renewals, servicing, loans, withdrawals, and claims for individual and group policies, in any currency. Policy, claims, and accounts already work with AI agents. Every function is an API, so it connects to the rest of your systems.

Life and annuity insurers, their servicing and claims teams, and the advisors, agents, and brokers who sell for them. Your team can use InsureEdge's own screens, your portals, or our Workbench in front.

Yes. Each module runs on its own beside your current core, whether that's Sapiens, Majesco, EIS, or a system built decades ago. You can start with one closed block or one servicing process and move the rest when it pays.