Specialists in life and disability underwriting, and technology-based solutions.
Established in 2003 with clients in all corners of the world, we bring a wealth of underwriting experience and a fresh perspective to our clients. We blend unparalleled experience in life and disability risk management with innovative technology to create streamlined, efficient processes that work for all stakeholders.
RiskApps – the definitive underwriting manual
Own your underwriting philosophy
Whether you are a reinsurer, insurer, or anyone who needs underwriting guidelines, RiskApps delivers a world-class, independent Underwriting Manual (UWM) that provides complete control, global scope, and evidence-based reliability, all at a fraction of the cost of developing your own.
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Underwriting rules
engines
From creating rules sets to strategic reviews
We have long experience of working with underwriting engines and have created complete rule sets, the ‘underwriting intelligence’ for insurers, reinsurers and software providers.
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Unmatched experience and scope
From experience comes strength
Anchored by a team with over 100 years of collective experience in the insurance and reinsurance industries we understand the complexities of risk management, partnering both start-ups and established global players.
- Our solutions support clients in multiple geographies including. Latin and North America, Europe, Middle East, Africa and Asia-Pacific.
- We cover all major life and health lines of business, including Life, Critical Illness, Disability Income, Accidental Death, Waiver of Premium, Total Permanent Disability, and Hospitalisation.
Underwriting guidelines built on evidence and powered by modern technology
The cycle of renewal, innovation and AI
When it comes to maintaining our own RiskApps UWM, we use our expertise in a continuous cycle of content review, conducting in-depth, evidence-based research. This rigorous process ensures our underwriting guidelines are current, defensible, and reliable enabling us us to distribute regular, vital updates to our clients throughout the year.
Companies ignore AI at their peril. We are identifying and implementing specific AI applications that accelerate decision-making where it matters most. This is a powerful blend of human expertise and technology, promising substantial productivity improvements.
