Teleunderwriting is Now Telegibility(TM) in the Life Insurance Industry

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Apptical Corp., a trusted provider of business acquisition solutions to the Life Insurance Industry has rebranded its teleunderwriting solution. This new term is not just a buzzword but a paradigm shift in the way Life Insurance is underwritten and sold.

"Telegibility : This new term is not just a buzzword but a paradigm shift"

The term “teleunderwriting” represents many things, but always involves the exchange of information over the phone. Typically, information is collected for later use in the underwriting process. This all changed in March of 2009, when Apptical launched a service that allows Life Insurers to provide eligibility guidance at the point-of-sale as part of an e-application process or telephone interview. Telegibility helps both brokers and insurers grow quality simplified issue and fully underwritten life insurance applications, a multi-billion dollar market, by providing telephone interview and rules engine functionality as well as on-demand, supervised interviewers, for a new generation of sales and underwriting tools.

Telegibility represents a paradigm shift in thinking about how we sell insurance. Apptical solutions can be made available via a wide variety of channels including agency call centers, Apptical SoundDecision contact center, or direct carrier portals for consumers.

Paul Klimek, founder and CEO of Apptical Corp., says "Telegibility moves decision at the point-of-sale from a complex multi-vendor solution to a flexible, one-stop, quick to market model.”

Telegibility is the newest offering from Apptical Corp. and behind LiveApp, SoundDecisions, and PURE, represents the latest in a powerful suite of closely integrated, product-centric solutions.

Apptical combines the best of the vertical proprietary functionality and on-demand contact center to create beautifully simple services for any insurance company to consume. Apptical’s Telegibility model gives insurance carriers and brokers the ability to enhance existing processes while concurrently driving up sales and increasing protective value. “Telegibility is revolutionary, as it gives agents all the information they need at the point-of-sale which helps drive up their placement rates” comments Ann Dudte, Director of Professional Services at Apptical. “With Telegibility, producers can even call during evening and weekend hours and take advantage of the service”.

Two Apptical products, SoundDecisions and PURE, are combined to form the Telegibility solution.
Questionnaires can be customized to match life insurance applications, and the telephone Interviews can be conducted using the on-demand SoundDecisions telephone interview solution. PURE, the predictive underwriting rules engine, is systematically called upon during the SoundDecisions telephone interview to render eligibility at the point-of-sale. It can evaluate the answers to application questions, prescription history results, MIB results and MVR results and triage the information to determine if additional questions need to be asked before final eligibility is rendered. As soon as these reflexive questions are answered, PURE renders its final decision and that information is communicated to the producer. Both SoundDecisions and PURE are product centric, and can be configured without software developers.

Apptical Corp. has been providing Telegibility services since March of 2009.

About Apptical

Apptical is the leading provider of on-demand, inbound, point-of-sale Life Insurance telephone interviews, electronic applications and rules engine solutions. LiveApp, SoundDecisions, and PURE serve clients across the United States and Canada. For more information please visit

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Barbara Gangware.

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