Underwriting, modernised

Life Insurance & Takaful Underwriting

LifeTak replaces spreadsheet-based underwriting with an automated, auditable, and fully tunable decision engine, built for conventional life insurers and takaful operators alike. Sistem pengurusan pengunderaitan Insurans Hayat & Takaful yang automatik, boleh diaudit, dan boleh ditala sepenuhnya.

For conventional life insurers For takaful operators

The problem

Underwriting in spreadsheets doesn't scale

Pengunderaitan dalam hamparan (spreadsheet) tidak boleh berkembang. Tiada jejak audit, tiada kawalan akses, dan formula boleh rosak secara senyap.

No audit trail. Who changed which cell, and when? Nobody can say. Tiada jejak audit.

No access control. Every file is open to everyone who has the workbook. Tiada kawalan akses.

Formulas break silently. One dragged cell and the rating is wrong, and no one notices. Formula rosak secara senyap.

Thresholds hidden in cells. Rules are buried in formulas only their author understands. Ambang tersembunyi dalam sel.

The solution / Penyelesaian

One system, from intake to handover

Satu sistem, daripada pengambilan data sehingga penyerahan kepada pentadbiran polisi.

Automated risk scoring

Captures applicant, medical, and financial data with live BMI, coverage, and risk-score calculation. Pemarkahan risiko automatik dengan BMI, perlindungan dan skor risiko secara langsung.

Suggested decisions, underwriter control

The engine suggests a class, table, and rating; the underwriter accepts or overrides, with a documented reason. Cadangan keputusan; pengunderait menerima atau menolaknya dengan sebab bertulis.

Fully auditable

Every decision, override, and data access is recorded. The recommendation is frozen at decision time, so it stays defensible to a regulator. Boleh diaudit sepenuhnya; cadangan dibekukan pada masa keputusan.

Tunable without a developer

Every threshold, score band, and rating table sits in editable reference tables. The chief underwriter tunes the rules. No code change. Boleh ditala tanpa pembangun; setiap ambang dalam jadual rujukan.

Requirements tracking

Auto-generated checklists, due dates, and an overdue queue, so no file rots. Penjejakan keperluan: senarai semak automatik, tarikh akhir dan giliran tertunggak.

Reporting & handover

UW Pack PDFs, a live dashboard, filtered exports, and a one-time migration from existing Excel workbooks. Pelaporan & penyerahan: PDF Pek UW, papan pemuka, eksport dan migrasi Excel.

Data protection

Built to protect sensitive data

Dibina untuk melindungi data sensitif, mengikut prinsip PDPA.

NRIC encrypted at restNombor KP disulitkan

Role-based accessAkses ikut peranan

PII masked by defaultData peribadi ditutup secara lalai

Full audit trailJejak audit penuh

Built with PDPA principles in mind. Dibina dengan mengambil kira prinsip PDPA.

Takaful-ready / Sedia untuk Takaful

Shariah-aligned underwriting, built in, not bolted on

LifeTak speaks the language of takaful natively: participants and contributions rather than policyholders and premiums, with tabarru' and Shariah-aligned framing throughout. It is equally at home with conventional life products, using the same engine configured to your book. LifeTak memahami istilah takaful secara asli seperti peserta, caruman dan tabarru', dan sama sesuai untuk produk insurans hayat konvensional.

Participant / Peserta Contribution / Caruman Tabarru' Shariah-aligned

Ready to see the panel?

Log in to the admin panel to explore the underwriting workspace. Log masuk ke panel pentadbir untuk meneroka ruang kerja pengunderaitan.