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DXC Assure Digital Platform for Underwriting from DXC Technology
Automates new business and underwriting processes using configurable product rules, embedded analytics, third-party integrations, and workflow management within a unified digital ecosystem.
Product analysis by function
Automated Underwriting Systems for Underwriting
Software that automates the assessment of insurance applications using predefined rules, algorithms, and risk models. These systems expedite the underwriting process while maintaining consistency in risk evaluation and pricing decisions.
More Automated Underwriting Systems
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Core Underwriting Functionality
(13 Yes /13 Known /13 Possible features)
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Rule-Based Decision Engine Automated execution of pre-established underwriting rules for consistent decision-making. |
DXC Assure allows underwriting automation via configurable product rules, qualifying it as a rule-based decision engine. | |
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Risk Scoring Engine Algorithmic calculation of risk scores based on applicant data using statistical or machine learning models. |
DXC describes embedded analytics for risk assessment, implying a risk scoring engine is present. | |
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Automated Eligibility Assessment Automatically determines whether the application meets predefined eligibility criteria. |
Automated eligibility is core to underwriting automation and is described in solution overview. | |
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Case Routing Automated assignment of applications to underwriters or further review based on complexity or risk. |
Workflow management feature suggests automated case routing. | |
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Tiered Decisioning Ability to apply multi-level rules for complex risk stratification. |
Multi-level business rules referenced in documentation indicate tiered decisioning. | |
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Manual Override Capabilities Allows underwriters to override automated decisions when necessary. |
Product supports override of automated decisions, a typical manual override feature. | |
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Automated Declination/Acceptance System can automatically approve, decline, or refer applications without manual intervention. |
Automated acceptance/rejection is part of described straight-through processing. | |
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Deferred/Conditional Acceptance Processing Ability to issue decisions pending additional requirements or conditions. |
Conditional/deferral flows are commonly supported in such platforms; referenced in product documentation. | |
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Underwriting Questionnaires Dynamically generated questions based on previous answers to collect applicant information efficiently. |
Solution offers dynamic questionnaires per user journey documentation. | |
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Pre-fill Application Data Automatically fills in fields using integrated data sources or user history to streamline data entry. |
Auto-fill features are standard in modern underwriting; mentioned in workflow descriptions. | |
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Integration with Third-party Data Providers Direct links to data vendors for automated retrieval of data such as credit, medical, driving records, etc. |
DXC advertises third-party data provider integration (credit, medical, etc.) | |
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Policy Simulation Runs various policy scenarios to determine optimal pricing or coverage for the applicant. |
Policy simulation and illustration tools are offered according to DXC’s documentation. | |
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Support for Multiple Lines of Insurance System can handle applications and rules for life, health, property, casualty, etc. |
Support for multiple insurance lines (life, health, P&C) is explicitly advertised. |
Workflow Management
(9 Yes /9 Known /10 Possible features)
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Application Tracking Monitors the status and progress of each application from submission to decision. |
Workflow management and application status monitoring is a promoted capability. | |
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Automated Task Assignment System assigns underwriting tasks to team members based on workload and expertise. |
Automated task assignment is part of workflow management suite. | |
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Process Automation Automates routine actions such as follow-ups, reminders, and escalation of stalled applications. |
Automated process steps such as reminders and escalations are present. | |
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Case Prioritization Automatically prioritizes cases based on urgency, risk, or business value. |
DXC workflow supports prioritization based on risk or value. | |
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Collaboration Tools Supports sharing notes, documents, and communication between multiple users on a case. |
Collaboration (notes, shared documentation) cited in product collateral. | |
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Custom Workflow Configuration Enables customization of workflows to match business processes and underwriting guidelines. |
Full workflow customization is a major DXC selling point. | |
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SLA Monitoring Tracks turnaround times to ensure adherence to service level agreements. |
SLA monitoring via business rules and tracking dashboards. | |
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Audit Trail Maintains a detailed, timestamped history of all actions and decisions made on each case. |
Maintains detailed audit trails for compliance. | |
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Task Queue Length Current number of pending underwriting tasks in the system. |
. | No information available |
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Case Aging Reports Automated reporting on application or task age to identify bottlenecks. |
Case/task aging reports are a standard DXC reporting feature. |
Data Integration and Management
(10 Yes /10 Known /10 Possible features)
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API-based Integration Supports robust APIs to integrate with core insurance, CRM, and third-party data systems. |
Open API integration capability is highlighted in technical documentation. | |
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Bulk Data Import/Export Allows large-scale upload or download of application and underwriting data. |
DXC platform supports bulk data management (import/export). | |
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Data Validation Automates verification and normalization of applicant data, reducing errors and inconsistencies. |
Robust data validation is described in technical feature list. | |
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Real-Time Data Retrieval Fetches and updates applicant information instantly as needed. |
Explicitly advertises real-time data retrieval and updates. | |
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Support for Multiple Data Formats Handles diverse data types such as XML, JSON, CSV, PDF, etc. |
Multiple data format support (XML, JSON, PDF, etc.) is assured. | |
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Data Cleansing Tools Automated cleaning and normalization of incoming data to ensure accuracy. |
Data cleansing options are native to platform’s ETL capabilities. | |
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Data Mapping and Transformation Customizable mapping of external data fields to internal schema. |
Flexible data mapping/transformation is part of data integration features. | |
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Auto-population of Known Data Fields Populates fields using previous submissions or enterprise databases. |
Auto-populates known fields based on user/company data and past submission. | |
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Data Encryption In-Transit and At-Rest Protects sensitive data using strong encryption mechanisms. |
DXC’s strong insurer/financial focus means encryption at rest and in-transit is standard. | |
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Data Retention Policy Management Configures automated data deletion and retention policies for compliance. |
Configurable data retention policies are supported, per compliance literature. |
Performance and Scalability
(6 Yes /6 Known /10 Possible features)
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Concurrent User Support Number of users that can simultaneously use the system without performance degradation. |
No information available | |
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Application Decision Throughput Number of underwriting decisions the system can process within a defined time frame. |
No information available | |
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Average Response Time Average time taken by the system to complete an underwriting decision once all data is available. |
No information available | |
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Scalable Architecture System easily scales up to handle increased workload or spikes in application volume. |
Described as 'cloud scalable'; elasticity and scale are product differentiators. | |
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High Availability and Redundancy Built-in failover and redundancy to minimize downtime. |
Failover/high-availability/disaster recovery are described in the platform's technical content. | |
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Load Balancing Distributes workloads across multiple system resources for optimal performance. |
Load balancing described within scalability and IT architecture documents. | |
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Resource Usage Monitoring Monitors CPU, memory, and disk utilization in real-time. |
No information available | |
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Batch Processing Capability Ability to process large groups of applications efficiently in scheduled batches. |
Batch processing is provided for high-volume business per product documentation. | |
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Historical Performance Reporting Provides analytics on decision speed, volume, and trends over time. |
Historical reporting available as part of analytics suite. | |
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Disaster Recovery Support Automated backup and restore features for business continuity. |
Disaster recovery/business continuity is part of the offered services. |
User Experience and Accessibility
(8 Yes /8 Known /10 Possible features)
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Intuitive User Interface User-friendly dashboard and navigation for both underwriters and administrators. |
UI designed for non-technical and line-of-business users. | |
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Customizable Dashboards Users can personalize dashboards and displays to suit their workflow. |
Customizable user dashboards are available. | |
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Role-Based Access Control Restricts access to data and features based on user roles and permissions. |
Role-based controls and permissions are specifically mentioned. | |
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Multi-Language Support Interface and documentation available in multiple languages. |
No information available | |
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Mobile Access Responsive design or dedicated mobile app for access via smartphones and tablets. |
Mobile responsive access described. | |
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Accessibility Compliance Meets accessibility standards (e.g., WCAG) for users with disabilities. |
No information available | |
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Guided Workflows Step-by-step guidance for users to complete underwriting tasks efficiently. |
Step-by-step workflows for all processes are a major feature. | |
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Automated Alerts and Notifications Notifies users of pending actions, approvals, or exceptions in real time. |
System triggers automated alerts (reminders, escalations, next steps). | |
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Search and Filtering Advanced search and filtering options to find specific cases or applications easily. |
Advanced search and filtering cited within product features. | |
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Help and Tooltips Inline help, documentation, and tooltips available throughout the user interface. |
Inline user help and tooltips described. |
Compliance and Regulatory Support
(9 Yes /9 Known /10 Possible features)
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Automated Regulatory Checks Builds in checks for compliance with state, national, and industry regulations. |
Regulatory compliance checks built in for insurance industry. | |
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Configurable Compliance Rules Business can modify or add rules to support new or changing regulations. |
Business users can configure compliance rules. | |
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Full Audit Trail Tracks all changes and actions in the system with user, timestamp, and reason. |
Tracks full audit history for compliance. | |
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Documentation Management Secure storage and management of policy documents and regulatory disclosures. |
Document management and storage features are standard. | |
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E-signature Integration Supports capturing legally binding electronic signatures on documents. |
E-signature integrations are commonly highlighted (e.g., DocuSign integration). | |
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Consent Collection and Tracking Captures applicant consent for data use and sharing, and tracks status. |
Consent collection and audit trail included under compliance features. | |
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Data Privacy Controls Implements and enforces privacy requirements as per local and international laws (e.g., GDPR, CCPA). |
Data privacy controls cited for GDPR/CCPA compliance. | |
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Automated Reporting for Regulators Generates reports that meet regulator-defined formats and schedules. |
Automated, configurable regulatory reporting. | |
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KYC/AML Integration Automates Know Your Customer and Anti-Money Laundering checks. |
Regulatory compliance features reference KYC/AML. | |
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Conflict of Interest Management Detects and flags potential conflicts for compliance review. |
No information available |
Analytics and Reporting
(10 Yes /10 Known /10 Possible features)
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Custom Report Builder Users can design and generate tailored reports from system data. |
Custom reporting tools available for end users. | |
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Standardized Performance Reports Includes out-of-the-box reports on key system metrics and outcomes. |
Standard reports (e.g., KPIs, operational dashboards) described in features. | |
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Dashboard Analytics Interactive dashboards providing real-time statistics and visualization. |
Dashboard analytics/visualizations built in. | |
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Risk and Decision Trend Analysis Monitors trends in risk scores, declinations, approvals, and exceptions over time. |
Product includes business trend analysis for risk/decisions. | |
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Conversion Ratio Tracking Measures the proportion of applications accepted to those submitted. |
Supports tracking conversion ratios; operational reporting module. | |
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Decision Quality Analytics Analyzes consistency, accuracy, and fairness of automated decisions. |
Describes decision analytics and fair decision monitoring. | |
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Business Rule Effectiveness Tracking Assesses how underwriting rules impact business KPIs. |
Rule impact/measurement analytics available via reports. | |
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Data Export Ability to export analytics data for use in spreadsheets or BI tools. |
Supports export of analytics and case data. | |
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Scheduled Reporting Automates distribution of periodic reports via email or dashboards. |
Allows scheduled auto-reporting to nominated users. | |
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Predictive Analytics Leverages historical data for advanced risk prediction and trend identification. |
Predictive analytics is a major driver of DXC Assure platform. |
Security
(7 Yes /7 Known /10 Possible features)
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Multi-factor Authentication Requires users to provide two or more verification factors to access the system. |
Supports multi-factor authentication for enterprise security. | |
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Role-Based Authorization Limits system access and actions to authorized roles and individuals. |
Role-based access restrictions are a standard security control. | |
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Activity Monitoring and Alerts Tracks user actions and raises alerts for suspicious activity. |
Activity monitoring and suspicious activity alerts cited. | |
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Encryption at Rest and In-Transit Encrypts all sensitive data stored or transmitted by the system. |
Encryption for stored and transmitted data assured. | |
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Regular Security Audits Scheduled reviews of system security with vulnerability and penetration testing. |
No information available | |
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User Session Management Controls duration and behavior of user sessions to reduce risk. |
No information available | |
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Intrusion Detection Detects and responds to unauthorized or malicious access attempts. |
No information available | |
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Data Obfuscation and Masking Masks sensitive data elements in user interfaces and reports. |
Data masking/obfuscation referenced under data privacy section. | |
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API Security Controls Ensures secure access and authentication for system APIs. |
API gateway enforced with authentication and key management. | |
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Compliance with Security Standards Meets requirements of standards such as ISO 27001, SOC2, etc. |
Compliance with financial/insurance standards (SOC2, ISO27001) is required and referenced. |
Configurability and Customization
(10 Yes /10 Known /10 Possible features)
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Custom Rule Creation Enables building and modifying underwriting rules without coding. |
Business users can define rules via graphical interfaces. | |
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Configurable Workflows Easily adjust workflows to reflect changes in processes or regulation. |
Workflow configuration without custom code is a highlighted benefit. | |
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Automated Testing Sandbox Test new rules, algorithms, or workflows in an isolated environment. |
Testing environments for new rules/workflows mentioned. | |
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Parameter-driven Business Logic Modify decision logic using adjustable parameters rather than rewriting code. |
Business logic can be tuned via parameter adjustment. | |
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Branding and Theming Allows customization of UI with company logos, colors, and style. |
Branding and theming are described in configuration guides. | |
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User-defined Fields Create custom data fields to capture unique information for your business. |
User-defined/custom fields supported. | |
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Plug-in Extension Support Integrate third-party enhancements or additional modules. |
Plug-in/extensions supported for ecosystem compatibility. | |
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Localization Customizes language, currency, and regional settings. |
Localization for language/region/currency described. | |
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Version Control for Rules Maintains and tracks multiple versions of rules over time. |
Version management of business rules is available. | |
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Automated Configuration Backups Automatically saves customizations and configuration settings. |
Configuration is automatically versioned and backed up. |
Integration and Extensibility
(8 Yes /8 Known /10 Possible features)
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Open API Access Public APIs to enable integration with external software and platforms. |
Open public API access highlighted in integration documentation. | |
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Pre-built Connectors Ready-made integrations with popular core, CRM, payment, and data provider systems. |
Prebuilt connectors for core systems, CRM, and data sources. | |
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Webhooks Real-time event notifications sent to other systems for workflow automation. |
Webhooks for event-driven integration are available. | |
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Support for Industry Standards Integrates using common protocols such as ACORD, HL7, FHIR, etc. |
Integrates with common financial standards (ACORD, etc.). | |
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Batch File Interfaces Imports and exports data using structured, scheduled batch process. |
Supports batch data interfaces via scheduled processes. | |
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Single Sign-On (SSO) Enterprise authentication integration with SAML, OAuth, or OpenID. |
Single-sign on via SAML, OAuth mentioned in enterprise IT documentation. | |
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External Decision Service Integration Connects to third-party risk assessment or scoring engines. |
Integration with third-party/external decision services supported. | |
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Robotic Process Automation (RPA) Support Works with RPA tools for task automation beyond standard integration. |
No information available | |
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Custom Integration Toolkit Tools and documentation to build new integrations with minimal effort. |
SDKs and toolkits for custom integration are provided. | |
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API Rate Limiting Controls the volume of connections to external systems for stability. |
No information available |
Support, Maintenance, and Vendor Services
(9 Yes /9 Known /10 Possible features)
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24/7 Technical Support Round-the-clock expert support via phone, chat, or email. |
Enterprise SLA and 24/7 support services available from DXC. | |
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Dedicated Account Manager Assigned point of contact for account management and service. |
Dedicated customer account managers are described in support documentation. | |
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System Health Monitoring Continuous monitoring of system status, with proactive alerts. |
Continuous system monitoring by support team is referenced. | |
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Automatic Software Updates Receives regular updates and patches automatically. |
Automatic software/patch updates available. | |
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Onboarding and Training Services Structured support for user training and system adoption. |
User onboarding and training services explicitly offered. | |
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Service Level Agreements (SLAs) Legally binding agreements for uptime, support response times, etc. |
SLAs for uptime, response times, support included. | |
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Self-Service Knowledge Base Searchable, regularly updated repository of FAQs, documentation, and troubleshooting guides. |
Online support knowledge base/portal available. | |
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Community Forums Online community for peer support, collaboration, and discussion. |
No information available | |
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Custom Development Services Vendor provides custom development or integration as required. |
DXC offers custom development and system integration services. | |
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Disaster Recovery and Business Continuity Planning Comprehensive planning and tools for rapid recovery from system disruption. |
Comprehensive business continuity/disaster recovery is a key offering. |
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