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Sembilan : a solution for underwriting efficiently P&C insurance

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SEMBILAN is a powerful and flexible underwriting software that can be quicly deployed accross your existing systems and over the Internet. SEMBILAN covers the entire underwriting process from application capture to policy registration. SEMBILAN allows you to automate the low added value processes and let you focus on important commercial and risk analysis activities. Companies that use SEMBILAN reach the following benefits :

  • Efficient and selective distribution of insurance products generating higher premium revenues and superior financial results.
  • Better risk control at all underwriting stages through consistent business processes and customizable alerts.
  • Higher commercial efficiency and productivity using the underwriting desk, a personalized paperless office for your underwriters, with all the tasks to do, all the customers history and all your products to sell under one roof.
  • More agility thanks to a business rule engine outside the policy components
  • Integration and aggregation of information across your existing systems
 
  Sembilan : Business results first  
Fast market mover More distribution capabilities Customer and risk Profile

SEMBILAN architecture allow you to develop and launch new insurance products in less than ten days. The components that manage insurance products are reusable, along with all the products movements and business rules.

It is very easy to deploy subscription capabilities to a new distribution network, as Sembilan is 100% web based. Therefore capturing new opportunities can now be done faster than ever. SEMBILAN integrates various distribution networks and multiple commercial conditions.

SEMBILAN puts your client at the center of your activities. During underwriting stage, customer information such as claims history, rating history, customer exposure, customer valuation, customer targets, line of products sold, and history of commercial actions are available, as well as premium payments history.

  Sembilan : Better processes and perfect execution  
Applications capture NBI management Administration process

Depending on the insurance products, your agents or clients fill applications online and receive automatically an NBI within seconds, or your agents fill the applications, tele-operators then collect more information and complete the applications, and send a request to quote to the appropriate underwriters desk, according to your business rules.

SEMBILAN comes with standard pre-configured business rules such as verification of covers requested against available covers, limit per risk, limit per underwriter, client exposure cumulation, that allow to control the risks while ensuring higher hit ratio, no mistakes and no loss of time.

SEMBILAN is the personalized desk of the underwriter. The desk automates some part of the underwriting tasks before issuing an NBI :

  • Eligibility
  • Account status
  • Claim status
  • Channel source review
  • Risk analysis

The desk is a great tool as an electronic work place :

  • NBI to review/approve from team members,
  • NBI to quote,
  • Reminders and alerts on NBI (capacity pending, NBI issued, expiration date...),
  • Re-assignment to another member

SEMBILAN allows middle office operators to create new policies from source NBI without loosing time. Operators according to their rights can modify, suspend, cancel, endorse or renew policies.

SEMBILAN provide a complete history of movements and make this information available to your call centers, your claims and underwriting department, managing consistently the information accross departments.

 

 
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