Optimized Business Performance

Enable top-line growth:

  • Quickly launch new products through no-code configuration templates with 12,000+ reusable rules
  • Digital new business capabilities with configurable STP, E-apps, and underwriting rules, as well as flexible integration with third-party data
  • Multi-channel support for home office, agents, brokers, direct to consumer, and telesales
Enhanced Customer Experience

Promote engagement and cross-selling:

  • Web user experience designed for efficiency and ease of use
  • Mobile-ready responsive web user interface
  • Customer self-service and agent Portals enabled by microservices
Operational Agility

Quickly respond to market demands:

  • Out-of-the-box product Support for life, annuities, health individual, and voluntary
  • Configurable workflows
  • Cloud, on premise, SaaS, or TPA deployment options
IT Cost Optimization

The right tools for efficient IT management:

  • Continuous upgrade tools enable clients adopt new features
  • Scalability to support growth and integrated security management
  • DataHub and advanced analytics dashboards
LifePRO® Features

Extensive web service library

Extensive library of compact single purpose REST services allows for seamless integration with portals and other applications

Powerful user experience

Intuitive, client-centric web user interface designed for maximizing productivity

Product introduction agility

Integrated validation and testing routines to accelerate rollout with ability to create new plans from pre-defined templates

Scalability and deployment flexibility

Multi-threading of processes and dynamic scaling with built-in tools for continuous deployment

Integrated security model

Secure platform gateway provides active directory authentication for role-based permissions for the application and service layer

Full policy lifecycle support

Support for the full policy lifecycle from initial quote through claim

Why EXL LifePRO®?
Out-of-the-box support for life, annuity and health insurance products, quote-through-claim capability
Available through on premise, SaaS, Cloud, TPA
Digitally enabled for speed-to-market and intuitive, efficient self-service
Largest US customer base, fully engaged in the evolution of the platform
Experienced team with a proven track record of successful delivery
Consistent, committed investment and continuous innovation
Solution Highlights

Global Team

Extensive global support & services team with locations in US, UK and India

Industry-Leading Customer Base

Recognized insurance platform leader with largest US install base


Continuous product evolution via periodic releases with out of the box upgrade tools

Proven Conversion Success

Leader in successful conversions with established methodology and toolset

Flexible Deployment

Available on premise, via cloud deployment


“xCelent” award for Largest Customer base

Global Team

Extensive global support & services team with locations in US, UK and India

Industry-Leading Customer Base

Recognized insurance platform leader with largest US install base


Continuous product evolution via periodic releases with out of the box upgrade tools

Proven Conversion Success

Leader in successful conversions with established methodology and toolset

Flexible Deployment

Available on premise, via cloud deployment


“xCelent” award for Largest Customer base

What we do

Powerful components create an end-to-end solution for life, health, and annuity administration.

LifePRO® Policy Administration

Comprehensive Life, Health & Annuity Administration

LifePRO®’s product engine provides extensive pre-defined and configurable rules for rapid product introduction

Digital servicing flexibility powered by a full suite of web services

End-to-end administration functions for life, health and annuities, including flexible agent compensation and claims

New Business & Underwriting Automation

Powerful solution for creating direct-to-consumer or agent e-app journeys to enable straight-through processing for new business

Integration with LifePRO® for product rules, illustrations, and new business load

Powerful and flexible rules configuration for streamlined underwriting decision making

LifePRO® DataHub

LifePRO® Reporting & Integration Platform

The DataHub provides a consolidated view of key LifePRO® operational data, including policy, claims, product and commission details

Streamlined integration to other applications or corporate data warehouses


Analytics and Custom Reporting Solution

The Analytics Dashboard is a powerful analytics solution built on the LifePRO® DataHub

Create standardized views and insights to review trends

The Dashboard provides a powerful custom reporting solution to fully leverage the power of the LifePRO® DataHub

LifePRO® User Community

EXL LifePRO® has a very active user community due to its industry-leading customer base. LifePRO® provides opportunities for users to network, collaborate, and influence the platform’s strategic direction.

Executive Committee

Representative customers collaborate with EXL and drive interaction with the rest of the user community

Operational Sub-Committees

Brings together affinity groups with common interest

Customer Portal

Allows for access to key information, webinars, and collaboration with customers

Annual Conference

Brings together EXL and customers for strategic updates and engagement with the client community

Client Testimonials
CUNA Mutual has been a LifePRO® customer for over 25 years and we are pleased with how it has supported our organization’s needs. One of the benefits of working with LifePRO® is the very vibrant user community, which has enabled EXL to gain valuable insights into what matters to their customers, and then make ongoing investments into the platform. We participate on LifePRO®’s Architectural Board as well as their Executive User Council, and are encouraged to share our experiences. CUNA Mutual processes multiple product lines on the platform, including Life – Traditional/Non-Traditional, Annuities – Fixed, Variable, Indexed and Health contracts with a current active count of well over one million. We are evaluating upgrading to LifePRO® 20, which will help increase our speed to market and improve business results.

Martin Christopher | SVP, Chief Information Officer, CUNA Mutual Group
LifePRO® V19 has enabled our company to eliminate 30+ years of customizations inherited from many other systems, and positioned us to effectively interact in the digital arena of the future.

LifePRO® Customer of 3 years

We’ve seen the combination of Benekiva and LifePRO® transforming customer experience and enhancing customer journeys. It’s also enhanced our resilience. When we shifted to remote work during the pandemic, our employees were able to seamlessly continue to pay claims and keep functioning.

Nick Gerhart, Executive Vice President and Chief Innovation Officer, Homesteaders Life Company

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.


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.

Steve Herker

Vice President, LifePRO® Product Owner

Steve brings extensive insurance administration solution consulting experience to his role as the LifePRO® Product Owner. In his role as the LifePRO® Product Owner, Steve is responsible for establishing LifePRO® Product Roadmap and directing the evolution of the LifePRO® platform. Steve has led many successful client implementation and conversion projects and is experienced in developing repeatable platform conversion and upgrade models.

Steve is a graduate of Butler University with a Bachelor of Science in Business Administration, and longtime resident of Indianapolis, IN.

Ashish Makhijani

Vice President, LifePRO® Product Development

Ashish leads Digital Product Development with L&A Insurance vertical at EXL. Experienced leader with 24 years of experience in Insurance Platforms, IT delivery, Digital Transformation, business consulting and strategy. Prior to EXL Ashish has worked with Capgemini, Dell and Aegon Transamerica Insurance verticals. Offers sound understanding of technology, and domain for Life, Annuities, and Health products. Successful track record of managing large implementations, TPA business, and PAS platform development. Significant experience managing Product releases, leading distributed agile delivery teams, DevOps, Automation and Cloud hosting projects in global delivery model. Ashish has Bachelor’s degree in Engineering, MBA with honors from University of Arkansas at Little Rock and Fellowship with Life Management Institute.

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.

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