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Welcome to your REALYTIX ZERO space for underwriting experts
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Welcome to your REALYTIX ZERO space for underwriting experts

Step into the digital underwriting revolution - by underwriters for underwriters

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    For underwriters:

    REALYTIX ZERO was developed by underwriters for underwriters. Our platform empowers you to create insurance products fast, deliver them using any distribution channel and supports your unique risk assessment, selection & pricing process.
    • Empowers you to stay focused on underwriting, not writing code.
    • Enables you to create, launch & scale insurance products fast via any distribution channel.
    • Allows you to customize the entire workflow of the rate, quote, bind process no matter the complexity.
    • Gets rid of the time-consuming process of creating insurance documents – no Excel or manual processes needed to generate proposals, quotes, binders, endorsements and more.
    • Generates valuable data analytics and insights to make more informed decisions instantaneously, refine underwriting rules, react quickly to market conditions and improve risk management.

    Our solutions for your workflow

    Creating a new insurance product smoothly and easily

    REALYTIX ZERO enables users to create insurance products quickly and easily. Our self-configurable capabilities and no/code low code approach allow users to design and configure the different elements of their insurance products autonomously. This includes defining data fields, setting up rules and logic, creating workflows and more. The visual interface makes it intuitive and user-friendly, eliminating the need for complex code.

    Bring products live in a matter of weeks  

    Legacy IT infrastructure, limited resources and tight budgets make it very difficult to quickly launch new products, adapt existing ones or introduce new distribution channels. It often takes up to two years from the initial idea to market launch. But speed is key to a competitive edge. With REALYTIX ZERO, you can launch, distribute and scale new or existing insurance products significantly faster, reduce costs and increase process efficiency.

    Leverage data to gain valuable insights

    Valuable data gets lost throughout the manual underwriting process. With REALYTIX ZERO, you can start leveraging this data to gain actionable insights into customer behaviors, risk patterns, and underwriting performance. These insights inform product design enhancements, pricing adjustments, and underwriting rule refinements, leading to continuous improvement and innovation in your insurance product offerings.

    Improve your customer journey  

    REALYTIX ZERO significantly improves the overall customer experience by streamlining the process into a user friendly, responsive and common-sense experience. Policy applicants receive real-time decisions and quick proposal or policy issuance, reducing the need for extensive paperwork, multiple e-mails and prolonged waiting periods. This convenience and efficiency contributes to increased customer satisfaction and loyalty.  

    Let´s dive into some our most revolutionary features

    Product design

    New possibilities, new products

    Fully digital and self-configurable product design, pricing, distribution, and administration on a single, cloud-based, no-code/low-code platform. Leverage a robust API- driven ecosystem to analyse risks, reduce questions asked and integrate seamlessly into almost any internal and external system.

    Interactive customer questionnaires and rules-based underwriting decisions

    With our best-in-class Rules Engine you can configure customer questions and rule-based underwriting decisions that enable 100% digital, high-quality risk assessment without any IT support. Follow up questions, dependencies, referrals – all easily set up.

    Workflow automation

    Automate & customize workflows based on your specific underwriting process, regardless of the complexity. Self-configure, deliver, and track quotes, renewals, endorsements, referrals, and notifications to provide efficient servicing for any part of the rate-quote-bind process. 

    We speak your language

    Don’t know how to code? Know Excel? Whatever your technical knowledge, you’ll know REALYTIX ZERO. Using common typescript and expressions, calculations & input conditions can be easily developed, defined & self-configured—from the simple to complex--then re-used or modified across the platform to support additional products or product/customer needs. 

    External data sources & an API driven ecosystem

    Informed & efficient risk assessment

    Enhance and inform your underwriting process through our API ecosystem. Incorporate off-the shelf, in-house or third-party analytics and other data sources to streamline the risk analysis process, reduce the number of questions asked and improve the underwriter and customer journeys. 

    Powerful pricing for any product

    With our powerful Pricing Engine, you can quickly assess risks to deliver real-time pricing options. React quickly to changing market conditions, adjust pricing, incorporate new assessment criteria, as needed and on-demand.

    Process efficiency

    New products – no time

    Legacy IT infrastructure, limited resources, reliance on third-party providers and tight budgets hamper efforts to quickly launch new products, adapt existing ones or introduce new distribution channels. REALYTIX ZERO eliminates those challenges by giving you the autonomy to launch, distribute and scale new or existing insurance products significantly faster – often in a few weeks – which means reduced costs, increased process efficiency, and a quicker path to profitability. 

    Easy & fast distribution

    Our robust distribution engine supports a multichannel approach. You can easily distribute products through any distribution channel, either through brokers or agents or directly to customers via mobile apps or webpages supporting a fully digital customer experience. 

    No more development efforts – your new product will be instantly available via a white labelled UI (User Interface) or API to a new or existing interface.

    Highly modular

    There is no need to recreate the wheel for each new product. Common and complex calculations, assessment questionnaires, visualisations and other elements can be re-used, stored, and accessed for future use or easily modified for new products, customers or partners.

    Create documents automatically & ad hoc

    Automatically generate slips, quotations, binders, policies and endorsements and all associated e-mails at any point in the underwriting process. All documents can support unique identifiers & naming conventions.

    And can be white labelled for text, logo, and graphics to maintain and promote brand identity for you, your customers and business partners. 

    Cloud based – always on, always secure

    Access REALYTIX ZERO anytime, anywhere. Changes will always be saved and visible for the whole team – errors easily recovered and rolled back – thanks to our advanced version control system. Realytix also meets and exceeds all existing international security standards. 

    Product deployment

    Launching a product has never been so easy

    With REALYTIX ZERO, you can deploy new versions of your product with just a few clicks, define "go-live" dates and start distributing in record time. No need for in-house development or waiting to get on a vendor’s backlog – REALYTIX ZERO enables autonomy. No more complicated manual processes. A completely digital and automated underwriting process – accessible via a white label UI or API.

    Actionable insights across the customer journey

    A new way to use, analyse & adapt your products

    Collect, analyse, and react to data and visualize it in real time. Strong analytics and reporting empower you to drive profitability and growth by leveraging data-driven insights and enable better and faster UW decisions. Monitor your portfolio performance in real time to react to market conditions, understand opportunities and hone your customer experience.

    Data insights for better underwriting decisions

    With REALYTIX ZERO, you can start collecting your customers structured data and visualize it in real-time. This empowers you to drive profitability and growth by leveraging data-driven insights that enable better and faster UW decisions.

    One product – a diverse set of users, easily managed

    With our multi-user environment you can self-configure permissions for individual and group users depending on your business strategy, enabling full control of your products and portfolios.

    Product versioning

    With this feature, access different versions & variations of a product. That allows you to track the performance of your product depending on the version and adjust accordingly.

    Agent UI for an improved customer experience

    Increase customer engagement with a seamless on-demand customer journey and decrease client drop-out because of long questionnaires or poor user experience.

    Our product studio allows you to provide your Brokers & Agents with a customized, white labelled User Interface to manage, quote & bind products. 

    How to get started

    Let’s talk!

    Requirements sessions (optional)

    Precise proposal

    REALYTIX ZERO onboarding

    Schedule an in-person or virtual demo with our experts to get answers to all your questions and explore even more features and automation possibilities.
    With our technical specialists you’ll have the opportunity to dive deep into the technical possibilities of REALYTIX ZERO and discuss specific requirements and customization requests to create the best version of the product for your specific need and objectives.
    We will quickly deliver a precise proposal that outlines the benefits of REALYTIX ZERO to your organization and considers all the specific customizations you need to make your product a success.
    At REALYTIX ZERO, we consider ourselves an extension of your team -- we are available throughout your journey so you can realize REALYTIX ZERO’s full potential. Personalized onboarding is part of our service and an introduction to your client support specialist who will be your main contact throughout our relationship.

    Simple product setup

    Support along the way

    Launch within weeks instead of years

    Setting up a new or existing product in REALYTIX ZERO is easy. Starting with the insurance questionnaire and other key features, you will get to know and love the more advanced features quickly. Learn how in a Personal Session.
    We have an extensive Knowledge Base that provides you with all the guidelines you need when creating your first product. Of course, if necessary, you can also always reach out to your Personal Customer Support specialist.
    REALYTIX ZERO’s unique self-configuration capabilities and our no-code/low-code platform reduce your time to market to just a few weeks.
    Get products to market 3x faster
    Compared to launching an average insurance product, REALYTIX ZERO can make you at least 3x faster.
    No Limits. Make the market. Scale. Grow. Repeat.
    REALYTIX ZERO empowers you to scale & grow your market share at an unprecedented speed. Reach or accelerate your business goals by getting fast access to new market segments and selling your insurance products through all distribution channels.
    No coding skills required
    REALYTIX ZERO makes it easy for all of your team members to learn how to create flexible & automated insurance products.

    Collect real-time data from product usage

    Easily visualize data insights

    Drive profitability & make better underwriting decisions

    Collecting and responding to data has never been so easy. You define what data to collect and in which format and it will easily be accessible to you via our Analytics API & customized reporting features.
    Easily create visualisations in the tool of your choice. We provide custom-made Microsoft PowerBi visualizations to get you started, but the possibilities are endless.
    Seeing your portfolio performance in real-time enables you to respond quickly and adjust as needed to have a significant impact on the performance of your Business.
    Say goodbye to maintenance tasks and unnecessary capital expenses
    With our ever-evolving, fully cloud-based platform, you can get a significantly lower total cost of ownership (TCO). Say goodbye to maintenance tasks, which in turn eliminates many upfront capital expenses. Once your platform is live, enjoy the advantages of continuous, automatic, and cost-free product upgrades.
    Easy adaptation of your products
    REALYTIX ZERO makes it easy to adapt your product according to your insights and track the performance of your product versions.
    Increase your profitability
    REALYTIX ZERO empowers you to customize your products according to the continuously changing conditions of the market. Now you can be more agile, flexible and fast.

    Would you like to know more about the revolutionary power of REALYTIX ZERO? Contact us!

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    Our expert
    Ana María Mejía
    Ana María Mejía
    Sales & Business Development Lead