Featured Insights
AI in insurance
P&C segments we serve
General Insurance
Transforming P&C insurance operations with data, AI, and deep industry expertise across the value chain
Aon
What EXL brings first and foremost is their very deep insurance industry expertise and scale and depth of digital expertise, you've got someone on the field who's really working with you as a partner.
Ageas UK
I would describe working with EXL as a really collaborative partnership, that's definitely something we've found we need: that skill set and those capabilities to deliver our data transformation
Direct Line Group
I would describe working with EXL as a really collaborative partnership, that's definitely something we've found we need: that skill set and those capabilities to deliver our data transformation
"Data silos across the insurance value chain."
"Increased market pressure due to inefficient claim operations."
"Poor risk identification leading to UW inaccuracies."
Challenges we’ve heard from insurers
"Legacy models negatively impacting NPS & customer retention."
"Evolving fraud patterns require AI & data-driven approaches for management."
End-to-end life insurance solutions powered by data, AI, and domain expertise.
Sales and distribution
Boost sales and distribution with AI and data-led sales tools.
Intelligent underwriting
Optimize risk decisions and transform underwriting & onboarding with data and AI
Policy administration
Modernize policy servicing and issuance with intelligent automation.
Claims management
Reduce cycle times and leakage with AI-led end-to-end claims solutions.
Customer experience
Deliver personalized, AI-powered interactions across every touchpoint.
Third-party administration
Transform TPA ops with cloud-enabled platforms.On small screens, swipe horizontally or use the left and right arrow keys to browse solutions.
Recognized by leading analysts
View all
Teaming with <br><span class="wm-orange-text">top partners</span>
VIEW ALL
Frequently asked questions
Still have questions?
Partner with EXL to drive smarter, faster life insurance outcomes.
Talk to an Insurance Expert
EXL provides end-to-end life insurance solutions spanning sales and distribution, new business and underwriting, policy servicing, claims management, actuarial services, and third-party administration (TPA). We serve carriers across individual life, annuities, group and voluntary benefits, and retirement and pension, combining deep domain expertise with AI, analytics, and cloud-first platforms.
EXL layers generative AI onto existing legacy infrastructure through API-based integration and intelligent middleware, without requiring full system replacement. This enables carriers to unlock automation and analytics benefits while maintaining operational continuity and protecting existing technology investments.
EXL automates underwriting through AI-powered rules engines, predictive risk models, and straight-through processing workflows that reduce manual touchpoints and accelerate decisioning. Our solutions have delivered up to 50% reduction in underwriting costs and 20% improvement in risk identification accuracy.
Carriers working with EXL have achieved a 50% reduction in underwriting costs, 75% faster new business onboarding, and up to 40% reduction in policy servicing cycle time. These outcomes are driven by EXL's AI-led operating model that replaces manual processes with intelligent, scalable automation.
Yes. EXL offers comprehensive TPA services for individual life, annuities, group benefits, and retirement products, built on cloud-enabled platforms including LifePRO. EXL is recognized as a Leader and Star Performer in Everest Group's L&A Insurance BPS and TPA PEAK Matrix® 2025.
EXL embeds compliance controls directly into AI workflows using explainable models, audit trails, and automated regulatory reporting aligned to NAIC guidelines and state insurance regulations. Human-in-the-loop oversight ensures that AI-driven decisions in underwriting and claims remain auditable and defensible.
Still have questions?
Partner with EXL to drive smarter, faster life insurance outcomes.
Talk to an Insurance Expert
Let's <span class='o_highlight'>Solve Together</span>
Modernize life insurance operations with scalable AI and data-driven solutions.
Get in touch