Life insurance new business case management, with every requirement ordered, dated, read and chased
Every open requirement chased, every case status known without a phone call.
See one case, screen by screen ↓It is the work of taking a life application from submission to a ready-to-decide file: ordering the exam, labs, APS, checks and forms the case needs, tracking each one, chasing what stalls and keeping the producer informed. New Business Case Management does that with five agents; the case manager owns the case and the underwriter decides.
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A fully underwritten life case waits on a Part 2 interview, a paramedical exam, blood and urine, an attending physician statement, MVR, Rx and MIB checks, an inspection report or financials, and a handful of forms. The case manager tracks them in a requirements screen and a spreadsheet, and chases each one by phone and email. A disclosure on page 3 — a treating doctor, a replacement, a trust as owner — becomes an order a day or two later, after someone has read it.
Then the vendor feed says “pending” for weeks. Nobody sees that the APS is stuck on a $65 records fee until the producer calls to ask where the case is. The underwriter usually decides within five business days of the last requirement; the weeks go on waiting. Every week the case waits, the applicant has more time to take another carrier’s offer.
Estimated split of a 28-day case — the published mean — by hand and with the solution. The doctor’s office still works at its own pace; what changes is ordering on day 0 and stalls seen the day they happen.
Five agents order, date, read and chase every requirement; the case manager owns the case and the underwriter decides.
Renée Walsh runs 46 open cases at Cedarbrook Life. It is Monday 12 October 2026. Here is her day, screen by screen, in the working solution.
Renée’s board shows each case as a row of tiles — Part 2 interview, exam, blood and urine, APS, MVR, Rx and MIB, inspection, financials, forms — coloured reviewed, received, ordered, stalled or past its slow date. Twelve cases need her or move today, five are stalled, and 31 requirements are expected this week. Each row ends with its decision-ready date and who is holding it.
This morning’s run: “Read 138 open requirements from 6 vendor feeds” · “Re-dated every tile from 90-day turnaround; 3 moved later.”
Aisha Rahman’s $1,200,000 universal life e-application arrives from Daniel Brooks at Northgate Advisors. The reader goes answer by answer against the requirement grid for ages 51–60 at $1–2M: interview, exam and labs at Q1, an inspection report at Q4, a trust certification at Q5 because the owner is an irrevocable trust. Nine requirements are ordered and three are already back; decision-ready is expected on 26 October.
Q9: “Diabetes disclosed: APS from the treating office; HbA1c and microalbumin added to the lab panel.”
Marcus Delgado, 47, applied for Preferred on a $2,500,000 20-year term through Priya Natarajan at Harborline Financial Group. The path to a decision shows him decision-ready on 16 October, with Tom Akande deciding by 20 October — day 22, against the 28-day industry mean. Renée presses Check for arrivals: the blood and urine tile moves from Ordered to Received with cholesterol/HDL 4.4, A1c 5.6% and cotinine negative on its face.
“Labs received for Marcus Delgado · read and inside Preferred guidelines.”
Clearwater Clinical Labs’ report is read line by line: 26 values, with the nine the Preferred guidelines test all inside — cholesterol/HDL 4.4 against 5.0, A1c 5.6% against 6.0%, NT-proBNP 41 against 125. Each value is checked back to the application: cotinine negative matches non-tobacco; values fit treatment on a statin. Every value cites its line on the report.
“The evidence reader lists where each value sits; it does not choose a class. Tom Akande decides when the APS is in.”
The attending physician statement from Dr. Helen Ward at Lakeview Internal Medicine was ordered through Clearpath Records on 29 September. The vendor feed tells the rest: received, in the copy queue, then on 8 October an invoice for a $65 copy fee, payment before release — and no change for four days. Lakeview answered 23 requests in 90 days, median 17 days and p80 24, so the APS is expected 16 October and turns late after 23 October.
Ordered because Q7 discloses treatment for high blood pressure (2023) and high cholesterol (2024).
The agent may approve records fees up to $50; this one is $65, so it waits for Renée. The approval shows the request (Clearpath Records CPR-118842), what it is charged to, her own $250 limit and what happens after payment. She approves; the follow-up agent tells Clearpath, who pay Lakeview and ask for release the same day.
“Fee approved · Clearpath paid the office · APS expected Oct 16.”
From the case’s tiles, the agent drafts Priya a status in four lines: what is done, what is still coming and when, what needs her — the replacement notice — and the expected date for the underwriter. Renée reads it and sends it.
“Drafted by the producer status agent from the case’s tiles. Medical values are never included.”
Six routine follow-ups went out on their own at 07:05; the rest wait for Renée, grouped by who can move them. Summit Cardiology has not answered Owen Fitzgerald’s request in six days, so Clearpath is asked to phone the records desk and re-send the HIPAA authorization. Bayview Pulmonology is past its slow date, so the records are to be collected in person. Rosa Castellanos missed her exam, and Meridian is asked to hold two new slots until her producer confirms.
“Records fees above $50 need your approval.”
Priya writes at 08:14: Marcus has an offer from another carrier at a similar premium — will there be a decision this month, and what is still outstanding? The reply is already drafted from the case: done, waiting on the doctor’s records (expected 16 October), the replacement notice needs her, and a decision by 20 October. Renée can send it or log a call instead.
“No medical details included.”
Linda Park’s $750,000 20-year term is complete: six of six requirements reviewed, and ten of ten measures inside Preferred Plus — blood pressure 118/76, BMI 23.4, cholesterol/HDL 3.1, A1c 5.2%, income multiple 2.9×. Tom chooses: approve as applied at $468 a year, approve at another class with his reason, or ask for more evidence and send the case back to Renée. Then he signs the decision.
“The agents gather and read the evidence; only the underwriter decides class and offer.”
The same cases, seen by the five people who carry them — what their week looked like, and what it looks like now.
Five agents order, date, read and chase every requirement; the case manager owns the case and the underwriter decides.
Reads electronic and paper applications and orders every requirement the grid and the answers call for, with the reason: a treating doctor in 5 years brings an APS from that office, a replacement the state notice, a trust as owner a trust certification, a DUI the MVR detail.
Reads vendor status feeds hourly and dates every open requirement from its source’s last 90 days: expected at the order date plus the median, late after the p80. Marks a tile stalled after 4 days without a status change and reads the vendor’s note for the reason.
Reads labs, exams, physician statements, MVRs and inspection reports as they arrive, compares every value with the guidelines for the class applied for, and notes every difference from the application answers.
Drafts and sends follow-ups to vendors, doctors’ offices (through the retrieval vendor) and producers on the cadence — vendors on day 0, +3 and +5 — and approves records fees up to the limit.
Answers producers’ status questions in plain words from the case’s requirement tiles, and sends a weekly status to every producer on all their cases.
Case manager owns the case; underwriter decides. The agents propose; a named person decides.
Ask about any case, requirement or source — or say what to chase. Every answer points to the tile or source behind it.
What is holding up Marcus Delgado’s case?
Two things. First, the APS from Dr. Helen Ward has not moved for 4 days because Lakeview Internal Medicine wants a $65 copy fee — above the agent’s $50 limit. Second, the replacement notice has been with Priya Natarajan since Oct 6 — Q14 says the policy replaces a $500,000 one. Labs are due today from Clearwater. If the records arrive at Lakeview’s median, the case is ready on Oct 16 and Tom Akande decides by Oct 20 — day 22.
Which cases will run past 28 days?
Two of the cases on your board will run past the 28-day mean: Margaret Oyelaran (day 31, ready Oct 16 — the Bayview APS is 3 days late) and Owen Fitzgerald (day 24, ready Oct 23 — Summit silent 6 days; the CPA letter). Castellanos (day 18, ready Oct 21) gets close if her exam slips again. Clearpath can collect Bayview’s records in person tomorrow.
Draft Priya a status on all her cases
Priya has 3 cases with you: Marcus Delgado (decision-ready Oct 16; needs her signature on the replacement notice), Owen Fitzgerald (needs the CPA letter) and Sandra Mbeki (on schedule, ready Oct 15). I drafted one reply from the tiles, with no medical details.
Why is Lakeview’s APS expected on 16 October?
Lakeview Internal Medicine answered 23 requests in the last 90 days: median 17 days, p80 24 days. The request went out on Sep 29, so the expected date is Oct 16 and the slow date Oct 23. That only holds once the $65 fee is paid — today’s stall is the fee, not the office.
13 screens from the working solution, on its sample data. Pick one to see it large.
What the agents order, when they chase, what they may approve and what producers are told — all settings.
| Setting | Default | Choose from |
|---|---|---|
| Requirement grid | By age band and face amount | Edit the grid; changes need the VP New Business’s approval |
| Ordered on what the application says | 6 disclosure rules | Treating doctor · conditions · replacement · trust or business owner · DUI · face over 20× income |
| Expected date shown on tiles | Median (p50) | Median (p50) · p60 · p70 — p80 is the “late” line |
| Stalled after no status change for | 4 days | Step up or down by a day |
| Agent may approve records fees up to | $50 | Step up or down by $25; above it, the case manager approves |
| Routine follow-ups go out automatically | On | On · off — vendors day 0, +3, +5 |
| Weekly status to every producer | Mondays 08:00 | On · off — one email per producer, all their cases |
| Replies wait for my send | On, first 30 days | On · off — then the agent replies within the hour |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures: Gen Re, U.S. Individual Life Next Gen Underwriting Survey 2025 (30 carriers: fully underwritten mean 28 days to decision; 63% of approved fully underwritten cases placed vs 86% automated) and a carrier’s published applicant underwriting guide (APS about 21 calendar days; decision usually within 5 business days of the last requirement). People, carriers, agencies, vendors and doctors’ offices named on this page are fictional — characters and sample data in the working solution.
It is the work of taking a life application from submission to a ready-to-decide file: ordering the exam, labs, APS, checks and forms the case needs, tracking each one, chasing what stalls and keeping the producer informed. New Business Case Management does that with five agents; the case manager owns the case and the underwriter decides.
The application reader applies your requirement grid by age band and face amount, then your disclosure rules — a treating doctor named in the last 5 years brings an APS from that office, a replacement brings the state notice, a trust as owner brings a trust certification. Each order records the answer that triggered it, and nothing the grid calls for is removed without a reason and the case manager.
From the last 90 days of that vendor’s or that doctor’s office’s real turnaround. The expected date is the order date plus the median (p50); the slow date adds the p80. A tile with no status change for 4 days is stalled, and past its p80 it is late.
No. The evidence reader lists where each value sits against the guidelines for the class applied for, with citations, and notes any difference from the application. It never assigns a class, approves or declines. The underwriter decides and signs.
A plain-words status drafted from the case’s tiles — what is done, what is still coming and when, and what needs them — plus a weekly email on all their cases. Medical details are never included. In the first 30 days every reply waits for the case manager to send it.
Yes. The agent may approve records fees only up to the limit you set — $50 in the working solution; above it the case manager approves. Routine vendor follow-ups can go out on their own; the rest are drafted and wait for a person to send.
Your electronic and paper applications, the status feeds of your paramedical, lab and inspection vendors, your APS retrieval vendor, Rx, MIB and MVR checks, and producer email and calls. It reads the evidence documents as they arrive.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your requirement grid, underwriting guidelines and vendor feeds — and it goes live once every quality gate has passed. We will walk you through it on a sample of your own cases first.
Hundreds of record pages read before the underwriter opens the case.
1-min demoLife Underwriting Manual SearchImpairment ratings answered from the manual, with the page that says so.
1-min demoAnnuity Suitability ReviewEvery annuity sale reviewed before issue, its reason on file.
1-min demoWe’ll run New Business Case Management on a sample of your own fully underwritten cases.