For South African life insurers and reinsurers, since 2020

Practical tools for life insurance operations.

underwriting.life builds and runs the checks, controls and evidence trails that underwriting, claims and compliance teams need. Consent and POPIA are built in.

Live today

Verified checks, in production

Used by insurers and reinsurers at new business and at claim stage, through a secure portal or directly into your own systems.

Live

Identity and life status

Confirm an applicant or claimant is who they say they are against the Home Affairs population register, including photograph and alive or deceased status.

Live

Sanctions and PEP screening

Screen applicants, claimants and policyholders against sanctions, politically exposed person and adverse-media lists, one at a time or in bulk across a book.

Pathology results are available to specific clients, by arrangement and under separate agreement with the laboratory.


The Lab

Built with clients, for problems still unsolved

We work alongside insurers and reinsurers on operational and regulatory problems across underwriting, claims and complaints. These services are in development and open to pilot partners.

In development

Proof of life-assured consent

Confirms that the person being insured knows the policy exists and has agreed to it, with a short recorded confirmation matched to Home Affairs before cover starts. Evidence that holds when a claim or complaint is reviewed.

In development

Consent-led data release

The data subject confirms, on their own phone, the release of their records to a named insurer. The consent record is held and audited, so the data source can see exactly what was authorised.

In development

Underwriting rules tooling

Tools that help reinsurers maintain, translate and test their underwriting rule sets, so changes made by their medical teams reach production accurately.

Have an underwriting, claims or regulatory problem you want solved? Bring it to us.


How we work

Built for sensitive data

Consent at source

Consent is captured and held against every request.

Hosted in South Africa

Client and applicant data stays in-region.

Controlled access

Role-based permissions, two-factor authentication and a full audit trail.

Web or API

Use the secure portal, or connect your own systems.

Registered Information Officer. We supply verified evidence; your teams make the underwriting and claims decisions.


Get in touch

Talk to us

Tell us what you are working on, whether it is one of our live services or a problem for the Lab. We will come back to you to arrange a conversation.

Email hello@underwriting.life