Zinnia, a life and annuity technology company, has unveiled a fully digitised in-force annuity servicing capability designed to eliminate paper-based processes from post-issue transaction management.
The new functionality, built within Zinnia’s existing Zinnia Live platform, brings carriers, distributors, advisors, and consumers into a single connected workflow. Rather than relying on paper forms, PDFs, wet signatures, and manual validation across disconnected carrier portals, users can now initiate, review, complete, and track servicing transactions through one unified digital experience.
The launch targets a persistent gap in the industry: while annuity sales have grown increasingly digital in recent years, in-force servicing has remained largely paper-driven, resulting in processing delays, errors, and a lack of visibility across the value chain. The new capability prioritises high-volume transaction types such as withdrawals, with the goal of enabling real-time processing and significantly faster turnaround times.
For carriers, the solution is intended to reduce the volume of incomplete submissions and the need for repeated follow-ups, ensuring transactions arrive ready to process. Distributors and advisors gain a single point of access for managing servicing across multiple carriers, removing the need to navigate separate portals. Consumers, meanwhile, benefit from a more straightforward and transparent way to complete transactions without the delays typically associated with paper-based back-and-forth.
Zinnia CEO George Esposito said, “Annuity servicing has been one of the last major analog frontiers in the life and annuity industry.
“We have changed that. In-force servicing is where the promise made at the point of sale gets tested, and too often, that experience falls short. Zinnia has built a fully digital way to manage in-force annuity contracts end to end, removing the forms and friction that have slowed the industry down for decades.”
Zinnia chief product officer Michael Celi said, “Digitizing servicing is not just about putting a form online. It’s about bringing data, workflows, and systems into one connected experience. That is what Zinnia has built, so annuity servicing operates with speed, visibility, and confidence that advisors and consumers already expect.”
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