Complexity is a necessary evil. (Or is it?)
In underwriting, complexity allows us to make better decisions. Niche questions drive to the heart of the matter: Is your applicant a risk? How much of a risk? The more detail you capture, the more you know. The more you know, the less you risk.

Information is still power.
It’s the detail that has become a drag on the process. AURA (Automated Underwriting and Risk Analysis) restores efficiency to underwriting by transforming random streams of detail into usable data. It releases time-conscious agents and underwriters from the heavy burden of information gathering. It imposes order on the process and makes complexity manageable.

AURA software automates decisions to produce quick, consistent results
Agents submit a simple, one-page application and forward it on to the insurer using any transmission format. Instead of ordering tests and collecting histories, they spend their time making sales.

AURA Front Office
Underwriters or call center Tele-Interviewers use AURA Front Office to get applications through the underwriting process. Application scripts and reflexive questionnaires are guided by the comprehensive AURA rules engine.

The new business department employs the Underwriting Workbench to track case details such as requirements, outstanding work items, notes, final decisions, reinsurance details, follow-ups and more.

AURA Back Office
AURA Back Office is a JAVA-distributed application that provides a framework for Call Center and underwriter workflow activities. It is dependent on AURA Front Office and is used to calculate underwriting recommendations based on scripts and evidence provided.

Management Information
Management has its own application that generates end user reports based on all levels of AURA activity. Managers have access to a complete set of historical information, relevant demographics, pricing and actuarial information, call center metrics, and other data. Even non-technical managers can customize and run their own reports and create automated report scheduling and delivery. RGA Technology Partners’ recent integration of the Business Objects platform has further enhanced the reporting capabilities, making it easier than ever for insurers to learn and adapt.

  • Imagine operational efficiency. AURA impacts new business, actuarial, reserves and more. It relieves inefficiencies on all levels, improving business operations and preparing insurers for underwriting audits. It speeds up the underwriting process and improves decisions.
  • Imagine lower costs per application. AURA gathers cleaner historical information and automates many standard operations, such as requirements gathering and medical tests. In many cases, AURA eliminates the need for tests. Underwriters spend less time touching standard “clean” cases and more time dealing with the difficult ones.
  • Imagine learning from every decision. AURA tracks and reports on your underwriting. Every element of data is kept in your Management Information database. Using the data AURA provides, your business is poised to achieve more.