Modernize complex operations without disrupting what matters most.
Life, annuities, and group benefits insurers manage decades‑old policies, yet policyholders, members, agents, and employers still expect digital engagement, fast turnaround, and transparency in every interaction. In this complex business, modernization cannot be disruptive.
Coforge partners with life, annuities, and group benefits insurers to modernize without putting the book at risk. Our lifecycle‑driven, AI‑enabled approach embeds enterprise AI to drive insight, automation, and predictive intelligence, while agentic AI orchestrates workflows, decisions, and exceptions.
We reduce operational risk and support sustainable growth through safer core modernization, faster time‑to‑market for new products and riders, improved operational efficiency, and better experiences for every stakeholder.
Intelligent Customer Engagement and Servicing
Deliver faster, smarter, more consistent service with an AI-led model that blends digital self-service with human expertise.
Coforge enables insurers to reduce cost to serve, improve customer satisfaction, and increase operational control by embedding virtual assistants, agent copilots, and real-time customer insights across all service channels.
AI continuously interprets intent, guides agents, prioritizes interactions, and automates resolution, ensuring every customer interaction is efficient, compliant, and empathetic.
Business Impact
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20–40% reduction in live call volumes
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30–35% reduction in average handle time (AHT)
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20–30% improvement in first‑contact resolution (FCR)
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20%+ improvement in CSAT/NPS
Digital Distribution and Agency Enablement
Transform how you onboard agencies and producers with an AI‑enabled, compliance‑aware onboarding experience.
Coforge digitizes and automates the end‑to‑end onboarding lifecycle, reducing time to productivity while improving governance, visibility, and control.
AI validates licensing and appointment documents, flags exceptions in real time, guides producers through next steps, and enforces policy and regulatory rules. Intelligent workflow orchestration reduces manual review and rework, enabling insurers to realize revenue faster without increasing compliance risk.
Business Impact
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40–60% reduction in agent onboarding cycle time
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30–50% reduction in manual onboarding and compliance effort
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Scalable distribution model for rapid agency expansion
Claims and Operations Excellence
Modernize claims and back‑office operations with AI‑augmented decisioning, automation, and process intelligence.
Coforge helps reduce average handle time (AHT), minimize defects, and accelerate workforce readiness while providing real‑time visibility into performance, quality, and operational risk.
Agentic assistants summarize complex cases, interpret policy provisions and documents, predict claim complexity, and intelligently route work based on risk, skill, and workload.
Business Impact
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25-40% reduction in average handle time (AHT)
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15–30% reduction in operating costs
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30-50% reduction in manual effort and rework
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Improved operational transparency
Policy Administration Modernization
Create a modern, integration-ready digital core that supports rapid product changes, intelligent servicing, and lower run costs.
Coforge modernizes policy administration platforms with an AI‑first approach that improves agility without disrupting in‑force policies or ongoing operations.
We embed AI across the modernization lifecycle to accelerate testing, validation, release cycles, and defect resolution, enabling you to modernize with confidence and operate with greater stability, resilience, and control.
Business Impact
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30–50% faster product and configuration release cycles
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20–40% reduction in run and support costs
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25–35% reduction in production defects and rework
Policy Conversion and Migration Services
Execute complex policy conversions with Coforge’s AI-assisted conversion factory. From data extraction and transformation to reconciliation and audit readiness, AI continuously validates data, detects anomalies, and explains variances to reduce risk, cost, and disruption.
AI‑driven profiling, automated reconciliation, and exception intelligence enable controlled conversions that preserve policy integrity, regulatory confidence, and customer continuity.
Business Impact
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30–50% reduction in conversion defects and rework
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20–40% faster conversion timelines
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Higher data accuracy (99%+ reconciliation confidence)
Underwriting and Digital Selling Acceleration
Enable faster, more consistent underwriting decisions with Coforge’s unified, AI‑powered underwriting cockpit.
Our solution combines third‑party data ingestion, reflexive underwriting rules, agent‑assisted decision support, digital interviews, and straight‑through policy issuance to accelerate digital selling without compromising underwriting discipline.
AI continuously ingests and synthesizes data, assesses risk signals, provides insights and recommendations, and guides next‑best actions, helping underwriters respond faster, improve decision consistency, and deliver a smoother buying experience.
Business impact
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30–50% reduction in underwriting cycle time and faster speed‑to‑issue
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5–15% improvement in placement and conversion rates
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Higher straight‑through processing (STP) for low‑risk cases
