iPipeline, a digital solutions provider for life insurance and financial services, has expanded its Advanced Underwriting feature across its SolutionBuilder platform.
The product aims to help advisers deliver faster and more transparent protection quotes, addressing long-standing inefficiencies in the market.
Advanced Underwriting uses data from the 20 most common medical disclosures, covering 80% of typical term changes, to give advisers and clients an upfront view of coverage and costs. This reduces delays, dropped applications and uncertainty.
The service is already live with insurers including The Exeter, Vitality and Zurich, with more providers expected to join shortly. Developed with adviser input, it tackles one of the sector’s key challenges: lack of clarity at the start of protection sales.
Barnsdale Financial Management adviser Scott Taylor-Barr said “I have found Advanced Underwriting incredibly useful, allowing me to see ex-smoker premiums for clients and getting BMI priced in from the beginning of the client journey, whilst being able to see which insurers are more likely to offer favourable term for more complex lives.
“I’ve now had cases where we’ve been able to see refer results from some insurers, alongside ratings and standard terms from others, enabling us to recommend those showing standard term to clients much earlier than the traditional process of completing a pre-app with all insurers.”
iPipeline SVP & UK managing director Rachel Edwards said: “After years of collaboration, we’re proud to launch Advanced Underwriting to the whole protection market. It’s a real step-change, giving advisers and customers a faster, smoother, and more transparent experience.
“Early results are outstanding: with adoption racing towards 50% in just two months. In a market where the quote-and-apply journey has remained largely unchanged for 20 years, this represents a major transformation.”
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