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Reimagining Life & Pension Insurance
Gradatim MFInsure® PL
A Scalable SaaS Platform for Life Insurance & Pension Transformation
By leveraging a robust SaaS paradigm, the Gradatim MFInsure® PL platform empowers, life insurers & pension providers, to transform policy administration platform to a significant engine of growth.
A powerful B2B SaaS platform for Protection, Saving, Investment, Pension and Annuity products. Tested across 40+ products and for over 50 million policies.
Reimagining life & pension, leading to significant benefits
Gradatim MFInsure® PL combines essential Policy Administration System functionalities into a single SaaS solution that is both standardized and adaptable.
Our collection of micro-services work harmoniously together, providing pension & life insurers, with flexible and modular processes, that enhance and simplify their day-to-day operations.
Gradatim MFInsure® PL is a combination of our best-practices, implementation teams, SaaS model, flexible core platform, a modern architecture, and all standard essential functionalities that pension & life insurers need to successfully administer life and pension businesses.
It has an open API layer and an eco-system layer. Customer journeys are handled using integrated portals, or through insurers own bespoke portals.
Standard & advanced functional coverages and benefits.
Low total cost of ownership. Sound alternative to legacy core.
Integrates and co-exists with existing IT sub-systems.
Relatively short implementation and change request time.
Gradatim MFInsure® PL is the ultimate solution for life and pensions.
Fully configurable and connected, it is delivered from a private or public cloud environment for the ultimate in security. This system also fully integrates with insurers existing IT landscapes, keeping operations running smoothly and efficiently.
Our solution is built ground-up based on our deep industry knowledge and in collaboration with leading insurers, ensuring that every aspect of the platform is tailored to what you need. With comprehensive policy administration, our platform is designed to grow and scale with your business as you take on new challenges.
From underwriting and claims, collections and payment, workflow and messaging, and an integrated insurance accounting, our platform automates all key processes, eliminating errors and reducing processing time.
With Gradatim MFInsure® PL, you can scale your business with unprecedented ease and efficiency.
Platform Universe
The Platform Universe supports protection, savings, investment, retirement and fund products.
Product, plan, coverage, rider, premium and factor configuration.
Client, client groups, client entities setup for group Products.
Retail or group product & policy setup & policy administration.
Sales hierarchy configuration for broker, agency, bancassurance, embedded, eco-system and IMO channels.
New Business quote-to-bind process for retail, group & combination products, with UW basis and workflow.
Normal & Early renewal, renewal notices & reminders, modal, grace, lapse, reinstatement with UW basis and workflow .
Comprehensive set of monetary and non-monetary endorsements for both retail and group products with UW basis and workflow.
Claim Process end-end including Initiation, Work-flow and claim Pay-out.
Fully configurable insurance ledger accounting, confirming to existing Financial ERP setup.
Policy and Certificates, illustrations, issuance & digital delivery.
Portals for brokers, agents, bancassurance, eco-system, IMO, employer-employee, voluntary channels.
Receipting and Invoicing for policies and claims for all core Processes.
Our Underwriting engine is the ultimate solution for insurers looking to optimize their operations.
We provide seamless processes from request to policy administration, all with a comprehensive audit trail for all policy versions. Experience the benefits of efficient and reliable underwriting with our advanced technology.
At Gradatim, we believe in empowering insurers with the tools they need to succeed. Our underwriting product is no exception. With configurable underwriting rules and customizable workflows, we provide a powerful solution that makes underwriting simpler, faster and more efficient than ever before.
Reinsurance can be a complex and daunting process, but our technology product is here to make it easy.
Our innovative Reinsurance Treaty Setup makes it simple for you to set up and manage your reinsurance agreements.
By incorporating reinsurance treaty data into claims, quotation, new business, and renewal procedures, we provide a streamlined experience for all stakeholders involved.
Gradatim MFInsure® PL, supports the widest range of products and schemes across life and pension products.
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Term products.
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Credit-shield products.
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Savings linked products.
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Superannuation products.
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Annuity products.
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Gratuity products.
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Employee pension schemes.
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Retirement schemes.
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Rider only schemes.
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Social security schemes.
Innovation that moves you forward
Gradatim MFInsure® PF, the product version that supports Fund & Protection, is a versatile and efficient insurance solution for fund products, seamlessly supporting both fund products and processes with maximum effectiveness.
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Market-linked and non-linked.
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Direct benefit.
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Direct contribution.
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Unit-linked schemes.
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Fund switching.
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Redemption scenarios and processes.
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Maturity process.
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Bonus and interest process.
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Surrender and conversion.
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Rebalancing and charges.
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Capital guarantee.
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Reversal and back-date.
Ready to transform your life, pension & annuity business?
With Gradatim’s innovative solutions, we streamline operations, enhance efficiency, and empower your business to offer superior products and services. Leverage our cutting-edge technology to stay ahead in the market, improve customer experiences, and drive growth. Let’s work together to redefine your success in the insurance industry!
