How LDS is different.

Get up and running quickly with simple, no code configuration

Launch new products in days, not months

Support underwriting decisions with straight-through processing capability

What we do

LDS is a comprehensive digital new business and underwriting platform with a flexible eApp and full automated underwriting and workflow capabilities. You can automate your entire new business and underwriting process from receipt of app through to policy issue.

Any device, anywhere, anytime

Access any product at your convenience with our flexible eApp solution.
Configurable omni-channel front end

Connect to any existing client and pricing systems

Pre-built product templates

Responsive, multi-device design

Automated case management

Comprehensive underwriting workbench provides full control back to the underwriter.

Unified view for one interface to complete work

Easily request more information from clients

Integrate external data sources such as

APS requests; MIB, MVR and others

Easy assessments with customized or pre-built dashboards

Analytics across entire solution

We transform your data into valuable insights to support your business.

Visual management dashboards

360-degree views of pipeline

Heatmap views of rule performance and automation

Business performance, workload, and costs tracking

Configurable underwriting engine

Flexible, no-code solution supports any product and any channel.

Pre-configured templates and rules

Simple, no-code visual configuration

Third-party data integration

Requirements tracking

Solution Highlights

Easily integrate into existing systems

Reduced overall cost of ownership

Rapid product build

Fully agnostic – any product, platform, location, or channel

  • Easily integrate into existing systems
  • Reduced overall cost of ownership
  • Rapid product build
  • Fully agnostic – any product, platform, location, or channel
Analyst Recognition
The EXL underwriter workbench includes a feature not seen elsewhere. With EXL’s analytic capabilities, they added data visualizations to help pinpoint risks in the case for underwriting. In addition, they provided an APS summarization with large color-coded recommendations for follow up or review based on machine learning. Overall, the workbench provides a level of analysis to help with underwriting beyond what is seen in other systems.

Celent’s New Business and Underwriting Systems: North America Life Insurance Edition, 2020

Digital Intelligence is the foundation of everything we do, and the inspiration for our ideas.

Real results

For businesses that aren't satisfied by good enough, or profitable enough, we use Digital Intelligence to deliver real results.

Why exl
Transform your business with a comprehensive digital suite

Insurers need innovative digital solutions to tackle quickly emerging challenges today. With LDS, the wait to transform the life insurance industry with technology is over. Speed your time to market with a fully configurable modular solution. Make better decisions faster with real-time analytic insights from your data. And gain new efficiencies with straight-through processing, third-party integrations, and automation. The future of new business and underwriting technology is here.

data scientists from top universities
generated consumer responses
$6.3 billion
in customer revenue since inception


Keith Johnson

Senior Vice President and Global Insurance Digital Lead

Keith leads the ideation, incubation, go-to-market and business operations for all new digital insurance industry solutions for P&C and L&A at EXL. He is a proven executive with over 30 years of diverse business experience. Previously, Keith was a Partner at Accenture where he ran the Life insurance e-commerce practice, CRM practice and Insurance BPO practice. He also served as Client Partner for a number of large insurance carriers and served as the COO / CIO for Marketplace by John Hancock. Today at EXL, Keith’s main focuses are helping build new growth engines using digital technologies, leading the global L&A strategy, managing analyst relations, overseeing insurance consulting for P&C and L&A, and ensuring a differentiated customer experience through digital enablement leveraging EXL’s proprietary software assets (LifePRO® and LISS), analytics and operations management. Keith earned his AB in Computer Science from Brown University.

Dave Shively

Vice President, LifePRO® Business Unit Lead

Dave Shively has been with EXL for approximately two years and runs our Life & Annuity Platforms business unit. He has over thirty years of software development and delivery experience, twenty-five of which was spent managing and implementing enterprise insurance applications. He has helped carriers of all sizes transform their businesses by successfully converting from legacy applications to flexible, modern core systems. Prior to coming to EXL, he spent 5 years with Oracle where he was in a similar role leading several software products including the Oracle Insurance Policy Administration solution.

Thomas Organ

Vice President and Client Executive, Life and Annuities

Tom leads the sales and marketing efforts for LifePRO® and the LifePRO® Digital Suite platforms. He has over 30 years of success in management consulting, solving complex business problems and creating business value in the life and annuities insurance markets.

As an EXL client executive, he works with insurers to identify opportunities and develop solutions, as well as provide executive client relationship support. He has led and grown businesses, developed new product and service offerings, and provided strategic consulting services. He plays an integral part in the overall strategy and direction of EXL’s life and annuity platform as well as TPA services. Tom has published articles and represents EXL at conferences and with the analyst community.

Ajmal Malik

Vice President, LDS Product Manager

Ajmal Malik is one of the key architects that has designed and built the LDS platform and subsequently delivered and implemented the solution successfully throughout the US, UK and Europe for the past decade to a number of clients. Ajmal has been building and implementing software systems within the life, banking and the financial services sector for over 20 years. He started his career as a Business Analyst leading to a number of roles around platforms across the financial services sector. Ajmal is responsible for establishing the LDS Product Roadmap and directing the evolution of the platform.

Ajmal continues to work in the UK as the Global Product Manager. Ajmal has a Law degree from Manchester Law School and holds a number of CII Financial Services qualifications.

Rick Barkal

Vice President, LDS Sales

Rick leads the sales efforts for the LDS New Business and Underwriting platform. He has over 20 years of experience helping carriers achieve their objectives through software solutions, BPO and TPA services. Rick plays a key role in the development of strategies and execution to grow the market share of LDS within the life, annuity and specialty benefits space for both individual and group carriers. Rick received his degree in Finance from the University of Colorado and an MBA in Information Systems from DePaul University.

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