Personalized, data driven Enrollment solution

Personalized, data driven Enrollment solution

Personalized, data driven Enrollment solution


Employees expect the benefit election process to be highly intuitive and personalized however there are three key issues with the current process.

  • Nearly 1 in 3 Americans don’t understand employee benefits they selected during their most recent open enrollment according to a recent survey by Voya Financial.
  • The current enrollment process does not offer any personalization or recommendation on what employees should elect based on their personal details including demographic, financial and claims details.
  • The impact of benefits on Financial wellness of employees remains unclear despite sizeable payroll deductions. This is causing poor employee experience, low utilization of products that they eventually select.

Employers and Brokers expect Insurance carriers to support a quick enrollment set up so that employees can go and elect benefits. However, their experience is poor due to delays and incorrectly set up enrollment. Enrollment set up is complicated by employer and employee data and plan designs. Data exchanged electronically often via EDI file feeds require manual effort to process and monitor. These complications often result in delayed and inaccurate enrollment set up causing downstream issues.

Insurers want a quick and frictionless process to issue coverage to clients and members. However due to a variety of Ben Admin platforms that they must work with, consuming data in multiple formats becomes a challenge.

Seven key reasons to deploy EXL solution:

Employee participation data

Improved participation rates: Data driven decision support for the employee can significantly improve employee participation rates


Group Journey Assets: We have created personas, journey maps and first generation designs for multiple group disability carriers including enrollment and onboarding journeys to help accelerate enrollment transformation

Digital First Enrollment Configuration

Digital Assets: Our proven AI powered solutions including EXL XTRAKTO.AI™, EXL EXELIA.AI™ and LDS™ (low/ no code platform) have been deployed at multiple clients


Top tier talent: Our cross-functional talent of 4K+ group/ VB domain experts, 6.6K+ data scientists and 2K+ AI/ NLP modelers, automation SMEs, cloud engineers and CX designers

Multiple platforms enabled

Platform agnostic: EXL’s solution can work with various Ben Admin and Policy Admin Systems, our solution is platform agnostic

Data Assets

Data Assets: Our data led value creation framework and data assets including 6K+ attributes on more than 244M US individuals enriched by claims data can help personalize enrollment decision support


Group and VB expertise: We are the largest transformation partner for the group and voluntary benefits carriers – worked with 7 of the top 10 carriers