FAQ pour Joss ( Juliet Online Selection System )

The medical underwriting in life insurance refers to the set of steps through which the insurer assesses the health risk of the insurance applicant before accepting the contract and setting the premium amount.

This process generally includes:

• Filling out a detailed health questionnaire.
• Possibly additional medical examinations (blood tests, electrocardiograms, etc.) depending on age and the insured amount.
• The analysis of the file by an underwriter who assesses the risk of mortality or morbidity.

The objective is twofold: to protect the technical balance of the insurer and to ensure fair rates for all insured individuals. With digitalization, this process is evolving significantly towards automated solutions such as JULIET, which allow for a quick, accurate, and GDPR-compliant assessment while improving the customer experience.

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The automation of medical underwriting involves replacing or assisting manual processes with intelligent digital tools.

Here are the main steps of an automated underwriting process:

• Integration of a dynamic medical questionnaire (adaptive questions based on previous answers).
• Connection to secure external data sources (with consent).
• Use of algorithms to analyze responses in real time.
• Instant or semi-automatic decision (acceptance, exclusion, request for additional information, or referral to a human medical underwriter).

JULIET, the e-selection solution from GMP Concept, allows insurers to drastically reduce processing times (from several days to a few minutes) while increasing accuracy and decreasing the risks of human error.

The e-selection (or e-underwriting) is the digital and automated version of traditional medical selection in insurance.

It refers to the use of digital platforms to collect, analyze, and decide on medical risks in a dematerialized manner. Unlike the paper or manual process, e-selection relies on:

• Intelligent online questionnaires.
• Rule engines and AI.
• Seamless integration into the customer underwriting journey.

This process significantly improves the fluidity of the customer journey, reduces operational costs, and accelerates the enforcement of contracts. GMP Concept supports insurers in this transformation with its solution JULIET, specially designed for the French and European markets.

An automatic underwriting software offers many strategic advantages for insurers:

• Significant reduction in processing times : from several days to a few minutes.
• Decrease in operational costs : less time spent by underwriters on simple cases.
• Improvement in customer experience : smooth process, without waiting or unnecessary medical exams.
• Better risk management : consistent rules and analysis based on a large volume of data.
• Scalability : ability to handle an increasing number of cases without proportionally increasing staff.

Insurers equipped with a solution like JULIET generally observe a significant reduction in processing time and an increase in the conversion rate of proposals.

Yes, it is entirely possible to take out life insurance without a medical exam, especially for moderate amounts or through e-selection.

Many companies now offer contracts with a simple online health questionnaire. If the answers do not present any particular risk, acceptance can be immediate.

However, for high amounts or specific profiles, a medical exam may still be required. Automation tools like JULIET allow for expanding the scope of acceptances without exams while maintaining a controlled level of risk.

To reduce the time for life insurance underwriting, several levers are effective:

• Digitize the customer journey (electronic signature, online questionnaire).
• Implement a e-selection system that performs well.
• Automate the analysis of medical questionnaires.
• Integrate clear business rules and automatic decision engines.

With a dedicated solution such as JULIET, it is possible to go from an average delay of several days to a decision in less than 5 minutes for the majority of standard cases.