The document describes an underwriting engine software that helps insurers streamline their life insurance application processes. Some key points: - The underwriting engine provides ready-to-use underwriting rules, allows quick editing of rules, and enables testing and deployment without IT involvement. - It has been implemented by insurers in Asia, Australia, UK and Ireland, writing over 40% of Australian protection business. - Case studies show how the software helped insurers like FWD and Prudential enhance customer experience by offering instant underwriting decisions. - The software adapted during COVID-19 by adding new questions and allowing offline use so advisers could continue serving customers.

1. Asia InsurTech Innovation
Awards Entry

2. WHO WE ARE
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Our Vision
Helping
everyone get
Protected
Our Mission
Use data and disruptive
technology to transform our
partners and markets

3. We recognise the need to change the life
insurance application journey from the
complicated, inefficient experience to one that
makes the buying process easier and faster for
customers and advisers alike.
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4. Underwriting Engine
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Our Underwriting
Engine is a game
changing solution
operating in Asia,
Australia, UK and
Ireland.
More than 40% of Australian protection
business is written through our platform.
Ready to use underwriting rules
Comes with ready to use with out of the box rules across a comprehensive database of
Industry standard questions based on Pacific Life Re's underwriting manual, Ocean. This
is fully customisable and with a STA rate of 75% out of the box, this helps insurers to get
up and running with quick underwriting decisions from the start.
Create & edit rules quickly
Flexibility to rapidly amend or create new rules based on data insight then deploy across
multiple distribution channels.
Test and deploy without IT involvement
An in-built testing suite including authority controls, allowing you to validate the rules and
deploy immediately without IT involvement.
Support additional language
Support user-defined locales to allow for rulesets in different languages so that your
customer can choose to start the sales journey with their preferred language.
Improve process efficiency
Allows multiple users working on the same rulebook concurrently with advanced conflict
management tool in place to ensure conflicts are flagged.

5. Our Underwriting Engine has many benefits
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Grow at scale and speed
The Underwriting Engine gives insurers the
ability to grow quickly and cost effectively.
Launch new products and channels without
significant IT involvement, which enables to
react to market changes in an agile way.
Underwritten outcomes offline
An offline version of the Underwriting Engine is
now available. The offline function delivers the
same full reflective questioning without the need
for an internet connection.
Improve customer engagement
Automatically delivers rule-based underwriting
decisions to meet customer “Buy Now”
experience or indicative loadings to create a
better customer experience.
Ongoing product development
We are invested in latest form of AI to
machine learning to drive further
automation and remain at the cutting
edge of underwriting technology.
Achieve self-
sufficiency quickly
The URE enables insurers to
configure customer questions, help
texts and outcomes, including
indicative terms and next steps.
Secure cloud
based solution
A cloud solution, the
Underwriting Engine is scalable,
safe and secure.
Integration with
Business Analytics
Stay ahead and adapt with
Business Analytics software
providing detailed insights into
business performance.

6. Cloud hosted software meant
insurers had peace of mind, data
was scalable, safe and secure.
Multi language function meant
communication was clear and fit the
needs of different communities
globally.
Business analytics modules gave insurers insight to drive
key decisions and changes confidently. Insurers were able
to remain agile and serve customers.
Underwriting Engine supported evolving
insurer underwriting philosophy as they
continued to learn and deploy new
guidelines due to the COVID 19
pandemic.
Keeping people and communities protected during COVID
Our technology allowed insurers to
introduce new questions and guidelines
relating to COVID within a day – keeping
businesses open and consumers
protected.
Offline underwriting was introduced.
Advisers were able to continue to
provide underwriting decisions at
point of sale without reliance on
WIFI.
Customer questions, help texts and
outcomes, including indicative terms and
next steps all easily editable and updated
without IT involvement. This meant
advisers were able to continue to keep
communities protected without
compromise in service.

7. Delivering results with FWD
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July 2019
• Keen to improve real-time risk assessment on policy applications
and underwriting decisions.
• Implemented use of Underwriting Engine to tailor its underwriting
approach for its customers.
• Implementation of Underwriting Engine started in Singapore and
now used across Singapore, Malaysia, Philippines, Hong Kong,
Indonesia.
• Adopted offline underwriting solution (first of its kind in Philippines).
Advisers able to provide underwriting decisions at point of sale
without reliance on WIFI.
• Extended underwriting engine support to the latest advisory
distribution channel.
Key results: Superior customer and advisor experience, Improved acceptance rates, Seamless and more efficient
underwriting

8. “Through the use of technology by UnderwriteMe , FWD
Singapore is able to provide instant approval for
Singaporeans, including those who have pre-existing
medical conditions such as diabetes, cholesterol and
hypertension, an industry game-changer not available
with more traditional insurers.”
Adrian Vincent, General Manager, Life Business at FWD Singapore.
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9. Enhancing customer experience for Prudential
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2019
• Keen to offer customers instant underwriting decisions at
point of sale
• The launch of Prudential’s digital platform was delivered in just
a couple of months. This has allowed Prudential Singapore to
re-engineer its customer journey to create a market advantage
in a very short period of time.
• This speed to market was only made possible by our ability to
work with an agile, test-and-learn methodology.
• Two in three applications* received an immediate underwriting
decision (*Jan 2019)
• Reduced paperwork for more than 5,000 financial consultants
“By digitising and simplifying the underwriting process, we also reduce paperwork for our more than 5,000 financial consultants so they can
spend more time engaging with their customers and advising them on their financial needs,” - Mr Goh Theng Kiat, Chief Customer
Officer, Prudential Singapore

10. UnderwriteMe enjoys very high satisfaction ratings from its clients and is the
preferred underwriting solutions provider in Asia.
Source: NMG Consulting Report December 2020

11. Helping everyone get protected.

12. UnderwriteMe is the largest supplier of automated underwriting systems in the UK, Ireland[1] and Australia[2], and was launched in Asia in 2017. It is transforming markets by making protection easier to buy and sell for customers, advisers, and insurers. The Company’s suite of technology includes its Underwriting Rules Engine and
advanced Business Analytics, giving insurers the speed, scale, and data needed to achieve market-leading results. This has resulted in UnderwriteMe having the highest satisfaction rating from clients[1],[2]. This information is for authorised intermediaries only and should not be presented to, or relied on by, retail customers. It is approved
and issued by UnderwriteMe. UnderwriteMe Limited (No 07912813) and its wholly owned subsidiary UnderwriteMe Technology Solutions Limited (No. 09170324) (together ‘UnderwriteMe’) are each registered in England and Wales and each have their registered office at Tower Bridge House, St Katharine’s Way, London, E1W 1BA.
UnderwriteMe Limited is authorised and regulated by the Financial Conduct Authority in the United Kingdom (Reference Number 592244). UnderwriteMe is a wholly owned subsidiary of Pacific Life Re.
[1]NMG Consulting’s 2018 UK & Ireland Life and Health Reinsurance Programme. [2] NMG Consulting’s 2020 Australia Life and Health Reinsurance Programme