ALLFINANZ Underwriting & Analytics Platform

Automated underwriting solutions

Enhance your customers' experience of insurance with ALLFINANZ

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ALLFINANZ, our automated underwriting and analytics platform, offers a flexible rules engine enabling clients to modify rules that reflect their individual underwriting philosophy and changing business strategies, and with the ability to integrate third-party data for use in real-time at point-of-sale, or in the back-office for underwriting.   

Equipped with a pre-configured starter underwriting rulebook to accelerate time to market, the easy-to-use Rulebook Designer enables users to customise the solution to their specific underwriting guidelines. 

The benefits of using ALLFINANZ

Increase STP rates

Immediate underwriting decisions to enhance your straight-through processing (STP) rates.

Better customer experience

Reflexive questions guide customers through the application process, with an immediate decision or a referral for manual underwriting.

Improve efficiency

Increased underwriting efficiency to drive sales and reduce costs while effectively managing risk.

Make data-driven decisions

Receive Quarterly Reports to monitor your underwriting performance and optimize your rules and processes for improved results.

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Our solutions

We offer two underwriting and analytics solutions, depending on your business needs.

ALLFINANZ SPARK is our standarized SaaS platform which offers clients a comprehensive solution for effective underwriting management.

ALLFINANZ NOVA provides all the functionality of SPARK, but with added potential for more bespoke services.

Core product modules

Both the ALLFINANZ SPARK and ALLFINANZ NOVA solutions consist of core product modules to automate your underwriting processes. Clients also receive Quarterly Reports, providing analytical information to make data-driven decisions to drive underwriting performance improvements.

ALLFINANZ Underwriting Engine

The core rules engine for the ALLFINANZ underwriting and analytics platform.

ALLFINANZ Rulebook Hub

Access, edit, publish, and manage multiple rulebooks from a single platform. The Rulebook Hub consists of a Rulebook Designer, equipped with our starter rulebook, Rulebook Manager and Rulebook Services.

ALLFINANZ Interview API

A set of REST APIs for directly accessing the Underwriting Engine’s interview functionality.

ALLFINANZ Interview Screens

Customizable screens to present reflexive questions to applicants or integrate with existing screens via API.

ALLFINANZ Interview Offline

Gather applicant information offline, in a mirrored application, to upload for decisioning when back online.

Additional product modules

To further enhance the power of the ALLFINANZ platform we have a range of optional add-on modules for you to consider based on your business needs. Below is a selection of our most widely-adopted modules.

ALLFINANZ Underwriter Workbench

Underwriter Workbench enables underwriters to focus on the most relevant underwriting information, optimizing efficiency and increasing turnaround times.

ALLFINANZ Predictor

Combine AI technology and data to integrate predictive models into your existing underwriting journey.

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ALLFINANZ Insight Origin and ALLFINANZ Insight

Transform complex sets of new business and underwriting data into consumable and actionable intelligence with a comprehensive suite of pre-built interactive reports on underwriting activities, available through Insight Origin and Insight.

ALLFINANZ NOVA clients have access to Insight, which offers development tools and infrastructure for business users to modify existing dashboards and build and deploy custom underwriting reports.

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ALLFINANZ Evidence Service

A cloud marketplace to streamline the process of accessing third-party evidence.

ALLFINANZ Structured Data Access

Access structured underwriting data to extract maximum value from your data including the flexibility to integrate with any third-party tool.

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With over 140 global clients, we have successfully delivered underwriting solutions in 8 languages across more than 40 countries. We understand our clients’ pain points and adapt to and learn from the changing risk industry landscape to deliver insights and solutions that equip forward-thinking insurers with the tools to transform and grow their business.

Colm Kennedy

Munich Re Automation Solutions

Chief Product Officer