LiteCone for InsuranceNew business / Claims / Compliance

LiteCone for Insurance.

Insurance decision work runs from the submission arriving to the payment leaving, and most of it is reading. The policy administration system records what was decided. It does not do the deciding, and neither does a faster keyboard.

Book a briefing See the insurance workforce

FitWho this is for

Who this is built for

Written as a filter rather than a wish list. If this is not you, a briefing will waste both our afternoons.

Carrier type	Life, health and commercial property and casualty carriers and managing general agents, roughly a hundred million to five billion in gross written premium.
Where it hurts	Submissions queueing before anyone has looked at them, underwriting turnaround measured in days, endorsements handled entirely by hand, and claims that sit while documents are chased.
Current stack	A policy administration system and a claims system already in place, with a manual layer doing the reading in between.
What triggers the search	A growth target against flat headcount, a service standard being missed, or a book that cannot be written faster without hiring.
Who buys	The Chief Underwriting Officer or the Claims Director holds the budget. The COO sponsors it. Risk and compliance are in the room from the first meeting.

The scopeThree buckets

Three parts of the business,
staffed the same way

Underwriting is the part everybody names first, and it is not the whole of it. The submission that arrives before it, the endorsement that follows it and the audit that comes after all run on the same reading work.

New business

From the submission landing to the risk being on the books.

SubmissionsWhat arrives is read, sorted and checked for completeness before anyone opens it.
Intake and onboardingDocuments read, data points pulled, the file assembled the way an underwriter would assemble it.
UnderwritingThe decision made against your manual, with the reasoning written at the moment it is made.
EndorsementsMid term changes handled as work in their own right rather than as an interruption to something else.

LEO, ERIC, RIO, AURA

Claims

From first notification to the payment leaving.

IntakeThe notification and everything attached to it read on arrival, with what is missing raised immediately.
AdjudicationAssessed against the policy wording and the plan rules, and settled, declined or referred.
AdmissibilityChecked against cover before the clinical or financial assessment begins, not after.

MARC, ARIS

Compliance

The evidence, assembled while the work happens.

Policy citationEvery decision carries the line of the manual it was made under.
Audit trailBuilt as the case runs, in the form an examiner asks for, rather than reconstructed later.
Oversight settingsWhat the workforce may decide on its own, held as policy and adjustable at any time.

Across every Worker

The rosterInsurance workforce

The insurance workforce

Six Workers across new business and claims. Each holds a role, with a bench of agents inside it doing the individual parts of a case. Start with the queue that backs up most often.

LEOLife Insurance Underwriter

Scrutiny, OSINT, Medical, Financial, Lifestyle

New business, life6 agents

ERICHealth Insurance Underwriter

Scrutiny, Medical

New business, health4 agents