The Growth Platform for Life & Annuities

Supporting the full lifecycle of Life & Annuities — with
simplicity, speed, and scale.

Velocity
Experience
Optionality
Future Ready

Enabling modern insurers to become market leaders

Intelligence that drives profitable growth

Launch products faster.

Expand distribution effortlessly.

Personalize every experience.

Scale securely.

LifeAdvisor

One workspace that adapts to how each advisor works. Proposals, e-apps, case management, commissions, and compliance — with the experience tailored to RIA, IMO, or Broker-Dealer at login. Agentic AI cuts NIGOs and accelerates sales

Unified Advisor Experience

Role-aware at login, every workflow—proposals, e-apps, commissions—all streamlined with AI assistants that cut errors and speed submissions

Real-time Insights & Opportunities

Real-time analytics and AI-driven prompts surface cross-sell, renewal, and retention opportunities—helping advisors grow their book

Compliance Built-In

License checks, suitability rules, best interest, and automated guardrails at every step—keeping advisors compliant without slowing them down

LifePortal

Your customers’ self-service hub for life & annuity policies — powered by agentic AI to simplify payments, endorsements, beneficiaries, and family access

Everyday Policy Management

One place for payments, withdrawals, beneficiaries, and endorsements — guided by AI to cut service calls

Trusted Family & Advisor Access

Give family, advisors, or trustees the right access — securely managed with permissions and audit trails

Ongoing Value for Every Stage of Life

AI-driven insights, reminders, rewards, and lifestyle services that keep customers engaged through every stage of life

LifeStudio

The carrier's control center for faster launches. Configure products, journeys, and compliance rules visually, then deploy in minutes, not months. Every change auditable. Every configuration versioned

Policy Admin, Orchestrated

Don’t let a policy admin system dictate your product basket. Orchestrate with one or several Policy Admin Systems and scale with freedom

AI-Native Journeys

Compliance Navigator, Suitability Assistant, IGO Check, 1035 Exchange, purpose-built agents that plug into any journey, governed and auditable

Event-Driven Agility

Adapt instantly to market shifts, distribution requests, or regulatory needs with LifeStudio’s event-based architecture

Policy Management, Beyond Administration

At the core of the platform is Verion™, our policy administration system, built so products, riders, rates, and rules are configured and versioned, not coded and released. Annuities and life first, and extensible to other lines, so carriers can create the hybrid offerings a changing market demands. Run Verion™, keep an existing PAS where it serves you, or orchestrate both as one ecosystem.

Launch Without Waiting

From approved product to in-market in weeks: products, riders, and rates configured, tested, and live without development cycles

Lower the Cost to Operate

Product, regulatory, and servicing updates become governed configuration, not projects

Trust Every Number

Every calculation explainable, every change versioned: show what was true, and why, on any date

Capabilities

Composable capabilities—built for speed, compliance, and scale—so carriers can launch products faster and engage advisors better

Sales & Advice

From proposal to payout—equip advisors with the tools to sell faster, stay compliant, and build trust.

Case Management

Rules-driven checks with AI guidance to help advisors prepare for client meetings, compliance, suitability, quote and submit e-app

Illustrations

Generate accurate, compliant projections in seconds—multi-scenario, branded, and instantly shareable

Intelligent E-App

Configurable e-Apps tailored to each product—reduce NIGOs, stay compliant, and launch faster

Commissions & Incentives

Flexible payouts and real-time analytics across any hierarchy. Pay accurately, test incentives, and keep advisors motivated

Suitability & Best Interests

A configurable, defensible suitability framework to support NAIC Model 275 best-interest requirements across distribution channels.

Configurable Questionnaires

Capture all NAIC-required factors and deploy questionnaires consistently across e-applications and agent portals.

Methodology-Agnostic Scoring

Supports weighted sums, FINRA-style dimension checks, or Analytic Hierarchy Process (AHP) evaluations—without forcing a single scoring approach.

Intelligent Product Matching

Align customer profiles to suitable products using configurable thresholds to ensure consistent and explainable recommendations.

Best-Interest Extensions

Support alternatives analysis, fee disclosure, and conflict-of-interest documentation as part of the suitability workflow.

Digital Interactions

Intuitive collaboration between customers, agents and carrier operations. Lead with experience, balance automation and personal interactions to enhance agent productivity

AI Virtual agent

Always-on support with conversational AI, handing off seamlessly to live advisors

Video and Voice

Secure calls, embedded in journeys — recorded and encrypted for compliance

Co-Browsing & Collaboration

Real-time co-browsing with audit trails and field masking for security

Messaging

Compliant chat across web, mobile, SMS, and WhatsApp — unified into one secure, auditable thread

Content, Communication and Documents

Seamless exchange of content and communications between customers, advisors, and carrier operations. Balance automation with personalized engagement, while ensuring compliance and productivity.

Document Management

Ingest, classify, version, and retain with role-based access and legal holds

Content Management

Centralize product pages, rates, and disclosures; publish seamlessly to portals and e-apps.

Customer Communications

Triggered emails and SMS for milestones, renewals, and required notices

Forms & Disclosures

Automatically assemble state-specific packages with e-delivery and proof of receipt.

A unique ecosystem in insurance

We collaborate closely with our partners to deliver added value to decision‑makers at the world’s most innovative insurance companies, empowering them to stay ahead in a rapidly evolving market.