§ Vertical · Term LifeExecutive brief · REG-TL-2026.03

Between intake and issuance, Regisseur is the layer that moves the case.

A term-life case rarely stalls because the work is hard. It stalls waiting — on an APS nobody is chasing, on labs that came back to an unwatched inbox, on a NIGO application bounced for a missing signature. Weeks pass between application and issuance, and underwriters spend judgment-hours chasing paper instead of pricing risk. Regisseur closes those gaps: it chases the evidence, works the review gates, and moves the case from intake to issued.

27 days

Average time to a final decision under traditional life underwriting — cut to nine with automated / accelerated programs. Most of those weeks are the gaps between steps, not the decisions themselves.

LIMRA · 2020
§ 01 — Application to issuance

The path of a case.

Stage
01
Intake
ACORD 103 normalized; applicant identity resolved; duplicate check.
Agent · graduated
Stage
02
APS request
Tokenized link to physician; TTL 72h; escalation cascade on timeout.
Agent · graduated
Stage
03
Paramed & labs
Schedule, confirm, reconcile. Examiner no-show triggers Recovery Path.
Agent · graduated
Stage
04
UW summary
Drafted from evidence. Confidence below threshold halts for sign-off.
Human · always review
Stage
05
Replacement review
NAIC-BI enforced at engine level. Disclosure pack assembled.
Human · always review
Stage
06
Policy issue
Documents generated with citations; signing portal pauses and resumes the cascade.
Agent · graduated
Stage
07
Conservation
Lapse-risk signals monitored; retention outreach triggered at threshold.
Agent · graduated
The 27-node term-life flow in the graph builder — typed action, condition, and milestone nodes with parallel Lab, APS, Background, and MVR evidence branches and agent and form badges.
The authored flow27 nodes — parallel Lab, APS, Background, and MVR branches, with agent and form badges
The Cases workspace — 34 total, 24 active, and 10 completed KPI tiles and a real case table with status, progress, lead, and age.
The live caseload34 cases — KPI tiles and a real case table with status, progress, and age
§ 02 — What changes for the carrier

More cases closed. Same ops team. Cleaner audit.

  • For the COO

    I’m judged on cycle time, and I can’t see where the days go. A case sits for a week because an APS never came back and no one was watching the clock. Give me predictable turnaround and a causal record for every exception — so when a case is late, I know exactly why, not just that it is.

  • For the Head of Underwriting

    My underwriters are expensive judgment, and half their day goes to chasing labs and re-requesting missing forms. I don’t need them faster at data entry. I need their attention on the risk — with everything around that decision gathered, checked, and waiting before they open the file.

  • For the CIO

    I’ve been burned by rip-and-replace. This overlays the systems we already run — policy admin, the evidence vendors, e-signature — with no migration. It reads and writes through the integrations we have, so nothing underneath changes and there’s no new system of record to reconcile.

  • For Compliance

    When the regulator asks why a case was handled the way it was, I need more than a story. NAIC replacement rules enforced by the engine, not by training. Every case re-runnable, every decision attributed, every disclosure on the record — an audit answer I can actually stand behind.

§ Next step

Your next 10 NIGO cases, run through Regisseur.

Redacted week of intake; 45-minute walkthrough. We’ll show you the same cases moving — with SLA clocks, AI drafts, human sign-off, and the audit trail all in view.

Book the walkthrough Read the governance model
Audience
Carriers · MGAs · distribution partners
Commercial
Annual · per deployment · usage-sized
Time to live
Weeks, not months