Product scope to evaluate
- Term, whole, universal, and indexed universal life workflows
- Underwriting evidence and requirement coordination
- Future beneficiary and in-force policy servicing
A model built for this line
Life application, insured and owner references, underwriting evidence, beneficiary instructions, and servicing request.
A distinct operational workflow
Life underwriting and policy servicing need their own states, permitted actions, data access, and carrier acceptance rules. They must not be inferred from the annuity simulator.
What must come before production use
- Life-specific carrier contracts and status mappings
- Controlled underwriting evidence and authorized beneficiary changes
- Separate policy-servicing workflows with attributable human review