Drive sustained, profitable growth for new business and underwriting
Do you need a cloud-based, automated new business and underwriting solution that makes the buying process easier and faster for customers and advisors? With LDS™ you can speed your time to market, gain efficiencies to drive your new business and underwriting journey, and get real-time insights for better decision-making.
How LDS™ new business and underwriting solution 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
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
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
Ajmal Malik is the Product Manager and one of the key architects that has designed and built EXL’s market leading LDS platform and subsequently delivered and implemented the solution successfully throughout the US, UK and Europe for the past 16 years. Ajmal has been building and implementing software systems within the life, banking and the financial services sector for over 20 years. Ajmal is leading our L&A solutions strategy and responsible for establishing the Life Digital Suite Product Roadmap and directing the evolution of the platform, leading it to its global award-winning status because of the enhanced AI capabilities. Ajmal is a Certified PMC II Product Manager and holds a number of CII Financial Services qualifications. Ajmal has a Law degree LLB (Hons) from Manchester Law School.
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.
Kelly is the SME and lead for EXL's Life Underwriting solution, LDS™. She has 20+ years’ experience underwriting Life, LTC, CI & DI. She is responsible for driving the underwriting strategy for LDS™ and creating the dynamic ecosystem. She works with clients to evaluate their current underwriting philosophy, provides recommendations to minimize mortality slippage and enhance the customer journey utilizing LDS™, EXL’s digital platform to achieve maximum benefit.
Kelly has a multitude of experience working for both direct carriers as well as responsible for managing a client solutions team for a major reinsurance digital platform.
Kelly holds her FALU, FLMI, ARA and ACS Underwriting designations.