National Life Group Uses iPipeline to Fully Automated New Business Underwriting

The insurer is using iGO e-App and Resonant underwriting to automate and optimize the underwriting and distribution of indexed universal life insurance policies.

(Image credit: Shutterstock.) 

National Life Group (Montpelier, Vt.) has adopted iPipeline’s (Exton, Pa.) iGO e-App and Resonant underwriting solutions to automate and optimize the underwriting and distribution of indexed universal life insurance policies, according to an iPipeline statement.

Deane Price, CEO, iPipeline.

iPipeline reports that its technology enables National Life to become one of the first insurance providers to distribute universal life insurance policies via a fully digital process—on the same day the customer applies for coverage and without the need for any human touch. By integrating iPipeline’s e-App, new business solutions with underwriting and e-Signature tools, National Life can now fully digitize and automate all processes involved in issuing a complex indexed universal life insurance policy—including electronic application, data transfer, underwriting, policy approval, and sending the policy to the customer, iPipeline says.

“Our partnership with National Life spans more than a decade—and it has culminated in an innovative platform which reduces the time it takes to issue an indexed universal life insurance policy from approximately 46 days—to less than one,” comments Deane Price, CEO, iPipeline. “National Life has been one of the fastest growing life insurers in the U.S., and we are proud that our ongoing collaboration has positioned them to grow at scale to meet the expectations of their customers.”

Getting the Process Right

Nimesh Mehta, SVP and CIO, National Life.

“National Life and iPipeline are two companies, yet from the beginning of our strategic partnership, we have been one collaborative and innovative team,” comments Nimesh Mehta, SVP, CIO, National Life Group. “We are a purpose-driven organization, and iPipeline shares our commitment of getting the process right—especially for those in Middle America, where a significant percentage of the population is uninsured or underinsured. Our relationship with iPipeline empowers us to transform the way we deliver insurance, so that we are well-positioned to stay one step ahead of customer expectations in today’s changing world—and ensure the process will never prevent customers from protecting their financial future.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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