Neutrinos Launches Intelligent Census Intake for Group Benefits
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Neutrinos Data Driven Life eApplication

Increase life insurance conversion rate with a data-driven digital eApp that gives agents a simpler selling experience and orchestrates straight-through processing from consent to decision, without replacing core systems.

Overview
Benefits
Features
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Data driven digital life insurance application for straight through processing 

Neutrinos Life Purchase Experience is a coreless, data-driven life insurance eApp that helps carriers, agents, and consumers complete applications faster and with less friction. It orchestrates consent, data retrieval, dynamic questions, good-order validation, underwriting workflows, and decisioning in one configurable experience, supporting accelerated underwriting and straight-through processing without replacing existing core systems.

How Neutrinos transforms the life insurance purchase journey 

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Built for instant-issue life

Increase life insurance conversion rate with a digital purchase experience designed for straight through processing in insurance, not paper applications, manual follow‑up, or paramed delays. Neutrinos Life Purchase Experience is built around target metrics of 71% straight‑through decisions, 96% good‑order submissions, and a 2.4‑day consent‑to‑decision cycle, subject to validation. 

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Lower operating cost and NIGO rework at scale

Reduce manual work, fewer NIGOs, faster decisions by replacing fragmented point tools with a unified, coreless insurance eapp and insurance point of sale software experience. Neutrinos brings data aggregation, real‑time validation, and no‑code configuration into a single workflow, reducing manual touches, targeting data ordering, and accelerating good‑order decisions, with modeled millions in annual savings for mid‑tier carriers, subject to validation.

Simpler agent experience and less intrusive applications

Give agents and producers an intuitive life insurance agent software front end and consumers a faster, less intrusive digital life insurance application journey. Neutrinos Life Purchase Experience securely runs key eligibility and underwriting checks upfront - identity, Electronic Health Records(EHR), prescription history/pharmacy data(Rx), Medical Information Bureau(MIB) data, and Department of Motor Vehicles(DMV) data, using available information early to cut repetitive questions, guide applicants toward better‑fit coverage paths, and reduce friction and abandonment.

Key capabilities

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Data driven intake

Runs identity, DMV, EHR, Rx, and MIB checks before questions, reducing abandonment and boosting life insurance conversion rate.
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Graceful fallback journey

Automatically switches to a traditional application path when EHR data isn't available, so cases never stall on missing data.
No‑code configurator

No‑code configurator

Enable business and underwriting teams to update application questions, skip logic, and state-specific rules in minutes, without relying on IT.
Unified workbench

Unified workbench

Manages applications side‑by‑side, with good‑order, illustration, decision, e‑sign, and pay steps aligned.
Embedded compliance guardrails

Embedded compliance guardrails

Integrate configurable guardrails that ensure the right disclosures, consents, validations, routing, and audit evidence are applied at the right moment.
Modernize the digital life insurance application experience

Modernize the digital life insurance application experience

Sits above your existing PAS, delivering a modern SaaS layer for digital applications, underwriting workflows, integrations, and point-of-sale experiences. Launch improvements faster without the cost, risk, and disruption of a rip-and-replace core transformation.

Resources

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Brochures

Neutrinos Life Insurance Purchase Experience

Whitepapers

Designing for Agents and Advisors: Streamlining the L&A Insurance New Business Process with AI-Guided Omnichannel Purchase Experience

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Press release

Neutrinos Launches Data-Driven Life eApplication to Accelerate Life Insurance New Business

 

Frequently asked questions

 

A life insurance eapp, or electronic application, is a digital life insurance application experience that enables agents and consumers to apply for coverage online. It brings application questions, supporting data, disclosures, consents, and electronic signatures into one guided workflow, reducing dependence on paper forms, emailed documents, and manual follow‑up. Neutrinos Life Purchase Experience is a data‑driven, agent‑assisted eapp insurance and eapp life insurance solution designed to support the end‑to‑end life insurance purchase journey. 

Neutrinos Life Purchase Experience can orchestrate underwriting data and workflows early in the digital life insurance application process. Depending on carrier configuration, this may include identity verification, motor vehicle records, electronic health records, prescription‑history data, Medical Information Bureau data, and other approved third‑party sources. The solution uses available data to trigger relevant follow‑up questions, validate applications for good order, and route cases to automated decisioning or underwriter review, supporting straight through processing in insurance while integrating with existing rules engines and cores.

What is accelerated underwriting life insurance refers to programs that use approved third‑party data and automated rules to assess eligible applicants without requiring paramedical exams or lab tests in every case. Neutrinos supports these journeys by coordinating consent, data retrieval, dynamic questions, validation, and decisioning in one digital life insurance application experience. For eligible cases, this can enable faster decisions and instant issue life insurance programs, subject to carrier underwriting rules, data availability, and product design. 

Straight through processing insurance means a clean, eligible application moves from submission to decision with little or no manual intervention. Neutrinos Life Purchase Experience is designed to support straight through processing in insurance by combining data‑driven intake, dynamic application logic, good‑order validation, and a unified workbench for agents and underwriters. Cases that do not meet automated‑decision criteria can be routed to appropriate review workflows with supporting data and application context already assembled, improving throughput and the overall life insurance purchase journey.

Many legacy platforms and point solutions focus on only one part of the process, such as digital forms, e‑signatures, data ordering, or rules engines, forcing carriers to stitch together separate providers for identity verification, EHR, prescription history, MIB, e‑signature, and workflow. Neutrinos Life Purchase Experience brings these capabilities into a configurable insurance eapp and insurance point of sale software experience, guiding agents and applicants through responsive flows, applying validation rules, managing exceptions, and connecting to existing systems via a coreless architecture. This approach is intended to reduce stack complexity, improve application quality, minimize avoidable manual work, and support higher life insurance conversion rate across the end‑to‑end life insurance purchase journey, with results dependent on carrier product design, underwriting guidelines, integrations, applicant mix, and data availability.

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Experience a digital life insurance application with Neutrinos

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