IBM Insurance Intelligent Operations (IIO) – AI-Powered L&A TPA / BPO Platform

IBM Insurance Intelligent Operations (IIO) is a full-stack, AI-powered transformation platform that replaces manual, fragmented insurance operations with intelligent, autonomous workflows. Purpose-built for Life & Annuity carriers, IIO combines generative AI, advanced analytics, and industrialized operations to deliver step-change performance, cutting operating costs by up to 40% within 12 months, increasing straight-through processing to 60–80%, and reducing cycle times by 50%+.  For carriers under pressure to modernize, scale, or optimize capital, IBM IIO delivers measurable outcomes, fast, at scale, and with accountability.

Leading provider of technology used eApp to complete an insurance application. Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies. We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of eApp insurance products.

ExpressComplete is the easy-to-use Drop Ticket with integrated features, such as health analyzer, call scheduling, and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3rd party call centers.  Customizable part A/B reflexive questions ensures cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

APPS offers a range of services to insurance companies, including paramedical exams and underwriting services. APPS’ underwriting services include Smart Paramed, which is an electronic data-collected exam that provides more efficient and timely underwriting information. With APPS’ Smart Paramed, requestors and agents have the ability to order cases online, receive automatic status notifications at any point during the exam process, view completed cases online, and much more.

iPipeline iGO® is the industry-leading e-Application and your one-stop-shop to complete, sign, and submit applications, with the guarantee that they are in good order. All applications, associated riders, or attachments you might need are in one place. By submitting your applications electronically, rather than on paper, iGO users are experiencing cost reduction of over $100 per application.

LifetimeAcquire

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Configurable eApp for any customer, with any product, on any channel

LifetimeAcquire is a simple, end-to-end eApp for all sales channels. Coming complete with new tools for agents to facilitate the buying process, LifetimeAcquire smoothly takes applicants from questionnaire to contract.

Scalable, enterprise solutions for the entire insurance industry.

Our clients trust Paperclip solutions to securely capture, transcribe, store, and exchange their most sensitive data, such as PII, PHI, NPI, and corporate IP. With more than three decades of customer-centric innovation, Paperclip is a proven strategic partner that continues to revolutionize the content supply chain for the insurance industry

Cmail^® Encrypted Email: Built for secure B2B and B2C communications, Cmail seamlessly integrates with all popular enterprise email clients to encrypt messages and attachments from firewall to firewall—ensuring sensitive information is protected end-to-end without changing how users send or receive email.

SIGN® eSignature: Say goodbye to complicated e-sign solutions. Paperclip Sign delivers a single, unified workflow for both wet and digital signatures, combining simplicity with top-tier security standards. It works seamlessly with all file types and requires no setup.

Paperless Solutions Group’s eXpedite is a robust, cost-effective, secure, and compliant eSignature and workflow support platform specifically designed for the life insurance industry. It leverages proven PSG technology to manage eSignatures and enhance document processing by providing comprehensive workflow management capabilities beyond standard e-signature tools. With full API capabilities for seamless integration, eXpedite streamlines document workflows and simplifies signature collection, offering features tailored to the insurance sector, such as delegating document control to advisors and providing customizable questionnaires.

ApplicInt UComplete

Launched in 2014 as revolutionary Direct to Consumer approach to provide completion of application information

-Snaps into your call center to augment CallComplete or allow the proposed insured to complete the application online

-Integrates with a proprietary pharmaceutical data aggregation system

-Designed to serve up all the forms/data in good order to the carrier for instant decision on a case.

LifetimeAcquire

Configurable eApp for any customer, with any product, on any channel.

LifetimeAcquire is a simple, end-to-end eApp for all sales channels. Coming complete with new tools for agents to facilitate the buying process, LifetimeAcquire smoothly takes applicants from questionnaire to contract.

Leading provider of technology used to complete an insurance application digitally.  Fully customizable software that plugs into the platforms used by sales distributors, call centers and paramedical examination companies.  We are the technology company that can deliver modern technology with speed to market at a cost that is often a fraction of what competitors charge.

ApplicInt offers a complete suite of electronic application fulfillment products.

ExpressComplete is the easy to use Drop Ticket with integrated features, such as, health analyzer, call scheduling and real-time exam scheduling.  CallComplete is the most flexible application fulfillment platform used by distributors and 3^rd party call centers.  Customizable part A/B reflexive questions ensure cases are 100% in good order – equals placing more business!  ExamComplete the “Number 1” digital paramed platform used by the top Paramedical Vendors in the industry like APPS, ExamOne and IMS.  The only platform that facilities the examiner’s ability to collect missing part A information with a proprietary solution to collect digital Special Authorizations to reduce cycle time attributed to APS health record acquisition.

Annuity order entry systems commonly known as “AOE” were first introduced as early as 1998, however gained significant market traction around 2005 for Broker-Dealers to submit business on Variable Annuities. These annuity order entry systems were then connected to the Depository Trust & Clearing Corporation (DTCC) to settle premium money from client brokerage accounts and net commissions. DTCC also provided many other insurance and retirement services such as sub pays on annuities, position & valuation files, and automated financial advisor licensing services. Over the years, these annuity order entry systems expanded into the Financial Institutional Channel (FI) being used by banks, clearinghouses, independent broker-dealers, and most major wirehouses.  The FI distributors use these annuity order entry systems for compliance review workflow, suitability analysis, sub pays, and annuity maintenance. As the annuity market changed, fixed and indexed annuity products were added to the annuity order entry systems. Also in recent years, there has been an attempt to sell a simpler version of these annuity order entry systems to other distribution channels. Ken Leibow 

Solvrays optimizes annuity order entry by automating data collection, form population, and validation processes. It integrates with carrier systems and distributor platforms, ensuring clean, compliant submissions. This reduces NIGO (Not-In-Good-Order) rates, shortens cycle times, and enhances the agent and customer experience.

Bestow’s Application Suite empowers businesses to create seamless digital-first and hybrid experiences for both customers and agents, spanning from initial quoting to final checkout. This suite enables the rapid deployment of white-labeled purchasing platforms that are designed to be intuitive and enjoyable for all users.

Emtech Group Inc is the leading provider of enterprise software quality engineering solutions for validating insurance carrier value chains. Our customers are enabled to deliver quality products while avoiding the expensive and embarrassing consequences from the exposure of production defect leakage.

QMT (Quality Management Tool)

QMT is Emtech Group’s comprehensive testing solution that validates the entire insurance value chain, supports agile development, integrates with CI/CD processes, and ensures security and compliance with standards like SOC 2 and HIPAA.

QMT TrueXML

QMT TrueXML automates XML data validation, ensuring 100% accuracy, detects errors early in the QA cycle, enhances process efficiency, and provides detailed reports to quickly identify data defects, improving overall data quality.

Be Compliant.
Be Transparent.
Get More Sales.

Before Annuities Genius: With thousands of annuities on the market, how can you really recommend the right one in the age of the BEST INTEREST STANDARD? Are you truly offering the best option to your clients?

After Annuities Genius: You have a TRUSTED product validation process to determine client suitability. You keep impeccable, comprehensive records. You have an all-in-one, compliant sales process.

AFFIRM® for Annuities utilizes a wizard-based approach to streamline annuity order entry system and reduce rework and Not in Good Order transactions for both fixed and variable annuity products. Fully compliant both internally and externally, AFFIRM for Annuities utilizes the ACORD product profile, allowing carriers to provide financial institutions all of their product rules electronically, using a standard method.

Click here: Affirm for Annuities Site 

Designed to increase annuity sales and reduce compliance risk, AnnuityNet is a more efficient, more appropriate annuity order entry system that allows more successful transactions – at a lower cost than manual, paper-based systems. Insurance carriers report an in good order rate somewhere around 90% – often achieving 98%. These quick and simple transactions fully meet all compliance criteria – free sales reps to focus on servicing their clients and building their business.

Click here: AnnuityNet Site 

FireLight® is a multi-carrier annuity order entry systems and sales platform that delivers a suite of interconnected sales components that transforms the way insurance, retirement, and investment products are marketed, sold, and supported. Built from the ground up, FireLight provides a configurable, cost-effective solution to implement and manage, while offering a consistent user experience and shared data from account opening to the illustration through e-application and post-sale services. FireLight delivers unique flexibility along with a powerful rules engine, built-in e-signature, robust API capabilities, and self-managing tools, efficiently supporting various lines of business, workflows, and sales processes. Create cohesive sales experiences for your advisors and consumers with FireLight Sales Platform.

Click here: FireLight Site

Solvrays digitizes handwritten life and annuity applications using AI-powered optical character recognition (OCR) and intelligent data mapping. It extracts key fields, validates information against business rules, and routes it through digital workflows, eliminating manual re-entry and significantly improving accuracy and processing speed.

Everybody talks about big data with many uses starting with predictive analytics, what you never hear is how do we create usable big data and that is Paperclip Mojo, where big data begins.

Paperclip Mojo is a new Platform as a Service born in Microsoft Azure Cloud combining leading-edge Artificial Intelligent with Crowd Sourcing for Big Data processing. The ability to transcribe, translate, and the interpretation of Big Data faster and more accurately than ever before is a “Game Changer”.