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INDUSTRY USE CASE

Life Insurance

Streamlined tools to simplify the management of life insurance policies, enabling efficient underwriting, premium tracking, and policyholder servicing. Our solution ensures compliance, flexibility, and a superior customer experience.

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Supporting All Types of Life Insurance

Our platform provides end-to-end support for all types of life insurance, including unit-linked and index-linked products, whole life, term life, endowment, annuity insurance, and supplementary insurance with life coverage. Whether you’re offering standalone policies or bundled packages with supplementary and health insurance plans, our system is designed to meet the diverse needs of insurers and their clients, ensuring flexibility and scalability in product offerings.

Unit-Linked & Index-Linked Products

Whole Life
Insurance

Term Life
Insurance

Endowment
Insurance

Annuity
Insurance

Supplementary Life
Insurance

Packages and all other types of Life Insurance.

Product Definition

Flexible Product Configuration

Customizable Offers
Adaptability to Market Changes
Enhanced Client Solutions

Easily create, modify, and manage a variety of life insurance plans with our platform. From standalone policies to bundled packages that include supplementary coverages or health insurance, our system allows insurers to offer tailored solutions to clients.

The flexibility to adjust product parameters ensures that insurers can quickly adapt to changing market demands while maintaining profitability and competitiveness.

Underwriting

Optimized Risk Assessment

Automated Risk Assessment
Customer Risk Profiling
Regulatory Compliance

Our platform ensures that all underwriting processes align seamlessly with predefined business logic and risk assessment criteria, safeguarding profitability and compliance.

The system includes customer risk profiling, enabling insurers to accurately evaluate and manage risks while ensuring adherence to internal policies and external regulations.

Sales and Commission

Digitalized Sales and Commission Management

Omnichannel Sales Support
Automated Commission Management
Efficiency-Driven Workflows

Revolutionize your policy sales processes with digitalization across multiple channels, including in-house teams, external agencies, brokers, and bancassurance partners.

The system supports streamlined sales workflows while incorporating a robust, customizable commission management module. Tailored to accommodate diverse sales channels, risks, coverages, and other criteria, the module ensures accurate and transparent commission calculations, driving motivation and efficiency for sales teams.

Unit-Linked insurance

Advanced Unit-Linked Product Support

Comprehensive Investment Options
Premium Allocation Rules
Investment Fund Accounting

Our platform provides comprehensive support for unit-linked investment products, empowering insurers to offer a seamless investment experience. Features include investment fund selection, premium allocation rules for splitting premiums between insurance coverage and investment funds, and investment fund accounting.

This ensures that insurers can deliver flexible and competitive investment-linked insurance products to meet diverse customer needs.

Regulatory REQUIREMENTS

Full Regulatory Compliance

Built-In Compliance Features
Automated Reporting
Risk Mitigation

Stay compliant with all regulatory requirements with our platform’s integrated compliance features. The system supports adherence to key regulations such as FATCA, IDD (Insurance Distribution Directive), Anti-Money Laundering and Terrorism Financing Laws, and more.

This ensures that your business remains aligned with legal standards, mitigating risks and maintaining client trust.

TESTIMONIALS

Trusted by Our Partners

Discover how our solutions empower businesses to excel. Hear directly from our long-standing partners about their experiences, successes, and the value we’ve brought to their operations.

See Our Clients

InCubis and Triglav have cultivated a highly productive and trustful collaboration. InCubis consistently delivers top-quality solutions that meet our unique needs, while their commitment to excellence and transparent communication have solidified our partnership.

The support we received from the InCubis team during and after the implementation was exceptional, significantly easing our transition to production. We are confident that this system will continue to support our technological advancement while ensuring the satisfaction of all our key system users and clients.

What sets In Cubis apart is their profound understanding of insurance business and industry. Their deep knowledge of insurance business domain, coupled with their technical expertise, has led to the seamless integration of their core system solutions within UNIQA’s complex ecosystem.