New Business Fulfillment for Life Insurance and Annuities

Rapidly and securely digitize end-to-end new business acquisition processes with Codeless Architecture


With Unqork’s Life New Business Fulfillment Solution, you can deploy a custom end-to-end business application that both accelerates the quote-to-bind process and enhances the customer journey—all in a matter of weeks, and without writing a single line of code. 

Quickly build an end-to-end system for collecting customer information and processing relevant documentation, so you can: 

  • Accelerate turnarounds
  • Increase close rates
  • Reduce operational costs and burden

Overcoming business & technology challenges codelessly

Unqork’s Life New Business Fulfillment Solution takes advantage of Codeless Architecture to overcome the key challenges that slow new business acquisition and lower close rates, including: 

  • Over-reliance on IRL-/phone-based engagements 
  • Manual back-end processes
  • Inability to iterate processes quickly as business needs change
  • Lack of data and insights 
  • Lack of integration and coordination across multiple applications with inherent inconsistencies
  • Limited “not in good order” (NIGO) remediation functionality, resulting in additional back-and-forth cycles with customers and prospects

How it works

From digital workflow orchestration to policy finalization, Unqork’s Life New Business Fulfillment Solution enables you to connect every phase of the process and every system involved—at speed. 

Key capabilities

  • Digitization of paper-based tasks
  • Rapid creation of sophisticated workflow logic to streamline questionnaires 
  • Automated identification of not-in-good-order (NIGO) documents, triggering customer-facing remediation 
  • Integration with external systems for key information (e.g., license validation) 
  • Generation and delivery of personalized digital policy documents 
  • Finalization via e-signatures

Seamlessly connect client acquisition & client servicing

Create connected customer experiences that seamlessly transition customers from acquisition to servicing.

Key benefits

  • Rapid time-to-market: Go from ideation to production 3x faster than with a traditional development approach.  
  • Enhanced customer satisfaction: Deliver omnichannel customer-facing hubs with 24/7 access to information and services via an intuitive UI. 
  • Accelerated turnarounds: Remove unnecessary steps. Speed the quote-to-bind journey. And collect application, medical, and lifestyle information about a customer in less than 15 minutes. 
  • Amplified underwriting efficiency: Process 2x the application volume through auto-underwriting. Enable underwriting decisions on other applications in days, not weeks or months. 
  • Increased close rates: Allow agents to identify “stuck” applications anywhere along the journey, so they can intervene and mitigate the possibility of abandonment. 
  • Improved data collection: Achieve high-quality data via customer-facing information-gathering and pre-fill functionality that is augmented with real-time validation, automated NIGO detection (eliminate 100% of all basic errors), and embedded remediation workflows. 
  • Reduced administrative burden: Mitigate the need for back-office data entry and multiple touchpoints. Enable pre-fill functionality and reduce manual data entry by more than 50%, and reduce unnecessary follow-ups with customers and advisors by more than 75%. 
  • Greater transparency: Enhance transparency across the application process to all relevant internal and external stakeholders with a unified source of truth updated in real-time. 
  • Improved decisioning: Tap into robust analytics to discern data-based insights into client preferences. 
  • Enhanced tech ecosystem: Easily connect with internal systems (e.g., policy admin system, illustration engine), external databases (e.g., LexisNexis), and third-party technology platforms. Readily expand to allow new and even unanticipated use cases.

Success story: A top-10 life insurer digitizes the entire customer journey in matter of weeks

Using Unqork, a top-10 life insurer digitized the end-to-end new business acquisition journey to increase revenue and reduce costs in a scalable model. Over the course of a few weeks, the company built a unified digital (mobile/online) interface for advisors, customers, and operations—leveraging a single source of truth and clean data feed into policy admin, CRM, and underwriting systems.


  • Rapid time-to-market: Insurer went from ideation to production in a matter of weeks 
  • Thorough digitization: 100%-digital solution with a high degree of automation 
  • Accelerated processes: Processing times dropped from 60+ days to less than 20 on most applications 
  • Improved data: Significant reduction in NIGO processing, from 65%+ to less than 20%

Welcome to the future of enterprise application development

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