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Workstation Solution

Given the number of policies underwriters have to process daily, it becomes a challenging task to efficiently manage policy underwriting while also adhering to compliance standards. Add to that manual, paper based systems, underwriters struggle without a comprehensive view of information (customer history, policy information, past claims, etc.) to make well-informed decisions. Accessing multiple siloed systems also impacts efficiency and greatly hinders effective risk assessment, often leading to inaccurate pricing decisions. Not having access to past case histories and preferred courses of action lead to delayed decisions. Lack of effective tracking and reporting mechanisms further increases chances for poor decision making. This translates to increased resolution times, inconsistent customer experiences, revenue loss, etc. Therefore, ineffective decision making has multi-fold negative impacts that can significantly affect company revenues.



The solution’s embedded workflow and web-based system utilization makes it easy to track, manage and learn from ongoing processing and internal interactions to optimize the policy underwriting process. Benefits include:

  • Delivers exceptions or referrals to the most appropriate knowledge worker
  • Improves authority management and process controls
  • Provides better auditing and regulatory compliance
  • Raises the level of underwriting skills across the organization
  • Delivers best practice capabilities across all workers and geographic zones
  • Eliminates recurring errors and repetitive data entry
  • Generates greater levels of collaboration, work flexibility, and productivity
  • Improves customer loyalty and satisfaction through insights
  • Continuously monitors for and delivers operational improvements based on centralized and ongoing knowledge capture

System users are assigned work based on specialization, authority, availability and other business rules. They can easily access, update and process underwriting files, schedule tasks and communicate across knowledge workers. The application includes tools for managing tasks and approvals associated with underwriting policies and improving exception processing when policies cannot be processed automatically without review from specialists.

Built on the Eccentex platform, the web-based Underwriting Workstation application delivers an improved underwriting experience while effectively managing the review and exception process from any location. The solution provides a host of capabilities including:

  • 360° view. Comprehensive view of a customer account and all related activities like payment and claims history, other policies, etc. through an aggregation of all pertinent data.
  • High integration. Integration with predictive analytics indicates account risk. Real-time integration with other systems triggers events instantly. Third party service integration (Google Map, DMV, etc.) improves efficiency.
  • Monitoring. Configurability and powerful checklists manages referral related tasks and ensures compliance with underwriting rules and corporate policies. Steps to track, process and manage end-to-end policy referral process ensures timely delivery, generation of system or process reports on demand, examination of results through powerful statistical tools and analytics and tracking policy underwriting history achieves higher transparency.
  • Workflow efficiency. Configuration wizards design collaborative workflows outlining the activity sequence displaying information visually with enhanced graphs, meters, etc. Routing rules deliver work items and other activities to the most appropriate resources based on skills, availability, and approval levels. Automatic generation of documents, emails, and other content to brokers, ability to manage and audit approvals and overrides, configuration and delivery of reminders, follow-up tasks, and escalations significantly improve productivity.

Release Date: March 29, 2013