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

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

Most carriers already have the data. Regisseur closes the gaps between intake events, evidence chases, review gates, signing, and issuance.

§ 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
Application → UW ready
11.4 days
−38% vs baseline
APS turn time
6.2 days
−44% vs baseline
NIGO rate at intake
4.1%
−62% vs baseline
Underwriter min / case
17 min
−55% vs baseline

Representative targets from pilot deployments. Baselines sourced from participating carriers. Individual results vary.

§ 02 — A case in flight

A low-confidence summary halts. A human decides. The trace carries.

Case · TL-24-00421 · under review

J. Patel — 47F, nonsmoker

Product
Term Life · 20y · $750,000
Rider
Waiver of premium
State
IL · NAIC-BI v2.1 applied
Source
Broker · Channel 03
Template
term-life-uw · v3.4
APS evidence · 4 conditions extracted
ICD J45.40 · Asthma, mild persistentDr. Hart · 2023-08-12
ICD I10 · Essential hypertensionDr. Hart · 2024-01-04
HbA1c 5.8%Lab · 2024-02-19
BMI 24.2 · unchangedParamed · 2024-04-18
UW summary draft · agent: uw-draft-v3.4
Draft issued. Requires sign-off.

Evidence supports a standard risk class with rating consideration. Confidence below auto-approval threshold due to conflicting hypertension control signal between visits.

Human-in-the-loop · always review
Confidence 0.58 · threshold 0.80. Routed to A. Reyes · Senior UW. SLA 48h.
Trace · t_9f41b2a
  1. 10:04:22Intake agent · normalized ACORD 103
  2. 10:04:44MCP · OnBase fetch APS · 1 doc
  3. 10:07:02APS chaser · email · tokenized link
  4. 11:19:58APS received · 4 conditions extracted
  5. 11:21:06UW draft · confidence 0.58 · HALT
  6. 11:21:07Routed · A. Reyes · SLA 48h
Product evidence

Artifacts, signing state, and case trace stay together.

The case view makes the signing pause explicit: envelope created, signer portal open, webhook pending, and every event linked back to the case trace.

Regisseur term-life case artifacts screen showing signing state, PDFs, and case trace
Case artifactsPDFs · signing · trace
§ 03 — What changes for the carrier

More cases closed. Same ops team. Cleaner audit.

  • For the COO
    Predictable cycle times with a causal record for every exception.
  • For the Head of Underwriting
    Underwriter attention spent on judgment, not chasing.
  • For the CIO
    Overlay on existing systems. No rip-and-replace.
  • For Compliance
    Runtime-enforced NAIC-BI. Re-runnable case replay.
§ 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
Per-seat · white-label
Time to live
Weeks, not months