ALLFINANZ
The trusted underwriting intelligence platform
ALLFINANZ is the leading underwriting intelligence platform for life and health insurers globally. Built on four decades of experience, it gives you the flexibility to evolve your underwriting as your strategy, risk appetite and business change.
More data and rapidly advancing AI are creating new and exponential possibilities for underwriting. ALLFINANZ brings together rules, data, AI, and human expertise in one secure SaaS platform, with governance and explainability to help you innovate with confidence.
The benefits of using ALLFINANZ
Grow your business
Maximise underwriting capabilities and put your data to work to support your evolving product strategy and scalable growth.
Increase STP rates
Automate decisions, including AI driven insights, to reduce manual intervention, enabling your underwriters to focus on complex cases.
Improve customer experience
Deliver innovative and new, customer journeys, with embedded AI tools to reduce friction from application to decision, including back-office underwriting.
Make trusted decisions at scale
Make consistent, explainable decisions with the governance and control needed for internal and regulatory compliance.
One platform. Five core capabilities.
From application to decision, ALLFINANZ connects every stage of the underwriting journey. Capture and enrich data, orchestrate and govern decisions, manage complex cases and continuously optimise performance, all while keeping control of your underwriting philosophy
Capture
Gather application data across every customer journey.
Whether applicants interact online, through our newly updated accessible screens, offline, using structured text, conversational interfaces, voice or data upload, ALLFINANZ brings structured and non-linear application information together on one secure platform.
Whatever the journey, your underwriting rules can be applied consistently. Every time.
Enrich
Bring more intelligence into every underwriting decision.
Connect applicant information with your internal data, third-party evidence and predictive models, bringing relevant information together within one underwriting journey.
With richer data available at the point of decision, underwriters have the intelligence they need to make better-informed decisions.
Orchestrate and govern
Turn your underwriting philosophy into consistent, explainable decisions.
ALLFINANZ orchestrates the underwriting journey and applies your rules consistently, making decisions transparent and auditable.
Empower authorised underwriters to build, test and publish rules while maintaining control of your underwriting philosophy. Embedded AI tools make it easier to explore and understand rulebooks, while governance and audit capabilities provide visibility and explainability over any changes.
Review
Put underwriter expertise where it matters most.
Route complex and special cases to the appropriate team and give underwriters the information and tools they need to make a decision in one place, without switching between applications.
Completed interviews, case information and underwriting outcomes can be reviewed together, helping underwriters make informed decisions while maintaining a robust audit trail.
Optimise
Turn underwriting data into actionable intelligence.
Use the data generated across your underwriting journey to understand performance, identify opportunities and continuously improve.
Explore more than 60 ready-made dashboards, create additional dashboards, access quarterly reporting or export your data to help optimise rules, increase straight-through processing and make better use of underwriting capacity. Embedded AI tools enable users to ask questions in natural language and receive direct, explainable answers.
Ready to take your underwriting to the next level?
Talk to our life and health insurance experts about your underwriting strategy and discover what’s possible with ALLFINANZ.
Why choose ALLFINANZ?
Deep insurance expertise
Four decades of underwriting automation experience, backed by Munich Re.
Intelligence you can trust
Combine AI-powered intelligence with explainability, governance and human oversight, keeping your underwriters in control.
Underwrite your way
Bring your own rulebook or start with ours, configuring questions and rules around your underwriting philosophy.
AI built for underwriting
Purpose-built AI, embedded in the platform, works with your data and rules rather than operating in isolation.
Enterprise-grade security
Protect your underwriting data with robust security, encryption and internationally recognised security standards, including SOC 2 Type II and ISO27001.
Long-term partnership
Work with our experts beyond implementation to continually optimise how you use ALLFINANZ.