The source of truth for medical, identity, and risk data, serving South African insurers and reinsurers since 2020.
underwriting.life pulls verified records straight from the source and delivers them through a secure website or directly into your PAS. Consent is captured on every request, so your underwriting and claims teams act with confidence.
Instead of chasing records across providers, you get verified medical, identity, and risk data through a single secure connection. The judgement stays with your underwriters and claims teams.
Medical and pathology records retrieved through secure industry integrations, with applicant consent captured per request.
Confirm an applicant or claimant is who they say they are, from the population register, dead or alive status.
Additional risk and lifestyle data points that give a fuller, more accurate picture.
Applicant consent is confirmed, captured and held against each request, so the data you receive is properly authorised. POPIA compliance embedded in the process.
Access data through a secure web portal, or pull it straight into your policy administration system (PAS) via API.
Your team accesses data through controlled, role-based permissions, with every request logged.
Run a search and underwriting.life returns verified, consented data, laid out and ready for your underwriters and claims teams to act on.
Illustrative. underwriting.life returns the data. Your team makes the call.
Verified data at the point of underwriting closes the gaps where non-disclosure hides, so every risk is priced on fact and the health of your book improves over time.
And because much of the evidence arrives up front, fewer applicants need medicals, onboarding is faster, and the cost of acquiring each policy comes down.
Verified medical, identity, and risk data to support new business and claims.
A consistent data source across the books you support, with consent captured at source. Options for bulk group health scans.
The same trusted data serving both sides of the policy lifecycle.
We sit between you and the data sources, handling consent and secure retrieval so verified information reaches your team quickly.
Your team submits a data request for an applicant or claimant.
Applicant consent is captured and held against the request. POPIA compliance.
We pull the medical, identity, and risk data from the source through secure integrations.
Verified data is returned through a secure website or via API into your PAS, ready for your underwriting or claims decision.
We move sensitive health and personal information on behalf of insurers and reinsurers. The platform is designed around that responsibility, not bolted on afterwards.
We treat regulatory and security alignment as a baseline requirement for working with insurers and reinsurers, not a feature.
A short walkthrough of how requests, consent, and retrieval work for your team.
Request a demoTell us a little about your data needs and what you would want to see. We will come back to arrange a walkthrough.
Email hello@underwriting.life