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Life, Annuity & PRT
Life & annuity carriers · PRT writers · reinsurers · retirement platforms
PRT deals are won on data speed. Underwriting is won on accuracy a chief actuary will sign. Both are data problems most AI vendors are structurally unequipped to defend — our founder carries the same actuarial credentials as the committee reviewing the work.
■ What’s breaking
Where the hours actually go.
Participant data decades oldIn formats nobody at the plan sponsor can explain — standing between you and a bid.
Cycle time set by reading speedUnderwriting throughput capped by how fast a human reads 400 pages of records.
Experience studies stale on arrivalA quarter to produce, outdated before the assumptions land in pricing.
Documentation that satisfies the modelerBut not the model-risk committee, the auditor, or the NAIC bulletin.
■ What we build
The systems that fix it.
- 01PRT data readiness — ingestion, cleansing, and mortality-relevant enrichment on a bid timeline
- 02Record and application review with human-in-the-loop approval and benchmarked accuracy
- 03Experience-study automation so assumptions refresh on a cadence, not a project
- 04Valuation platform work that turns overnight batches into same-morning answers
- 05Model documentation and controls written for chief actuaries, auditors, and regulators
Where to startA PRT Data Readiness Assessment or Underwriting AI Readiness Sprint, then a Document-to-Decision Sprint on the architecture already proven at 99.9% decision accuracy in a HIPAA-regulated environment.