SoundDecisionAll teleunderwriting partners pride themselves on the staff and the service they provide. However, adoption of new technology separates the true innovators from the rest of the pack. In this regard, Apptical® is leading the way.

We understand that, during the underwriting process, hold times and missed callbacks are enormous frustrations and time wasters that you can’t afford. That is why we are committed to alleviating the problem and offer significant improvement in this area compared to our competitors.

In addition to wise investment of time, life insurance providers understand the importance of accurate underwriting. Without the right information, your risks increase and applicants don’t receive the correct policies. Nobody addresses this need better than Apptical.

With SoundDecisions®, Apptical offers life insurance companies the ability to qualify applicants correctly in order to manage risk. By confirming and recording each applicant’s answers to vital personal and health-related questions, SoundDecisions, a life insuance telephone interview platform, creates an accurate and truthful applicant profile. This approach takes the guesswork out of underwriting and prevents anything from falling through the cracks.

SoundDecisions is also a highly customizable solution. It’s designed to be modified for any life insurance company’s rules and guidelines. Whatever the need, whatever the unique situation, SoundDecisions offers the solution — quickly, easily and in real time.

With fast, accurate information, you can underwrite more applicants and sell more products. As your partner in the underwriting process, we are here to do everything we can to make the process seamless.

How else can you benefit from SoundDecisions?

  • High availability: When an agent calls to confirm an applicant’s information through SoundDecisions, the phone is answered within 30 seconds on average, as late as midnight Eastern on weekdays and 8 p.m. on weekends. Quick response means instant answers, so the electronic application process is streamlined during every step.
  • Bilingual, medically trained interviewers: Interviews can be conducted in English, Spanish and more than 150 other languages. To facilitate the process, Apptical’s interviewers are also trained to understand medical terminology.
  • Information reconfirmed: Once the insurance agent enters the applicant’s information on an electronic form, Apptical’s interviewer reconfirms all answers and records them for future reference and, if needed, legal purposes.
  • Answers assessed: SoundDecisions enables the interviewer to evaluate responses as Client Coached, Client Hesitated or Client Changed Answer. A comment box enables the interviewer to add details. 
  • Injected recordings: All disclaimers and legal notices regarding the policy are prerecorded and played for the applicant. It’s a foolproof way to ensure uniformity and eliminate human error.
  • Instant availability: Once the information on the application has been reconfirmed through SoundDecisions, it is available in minutes on Apptical’s secure website. The underwriter can see the application as a PDF or listen to the audio recording, which greatly expedites the underwriting decision.

Utilizing the latest phone and web-based technologies, we communicate directly with your prospects and your team to ensure the fastest, most accurate data. Our processes are designed to minimize paperwork, reduce costs and improve overall efficiencies.

With SoundDecisions, you can underwrite more cases and sell more products than ever before. Simply put, no tool comes close to delivering SoundDecisions’ level of service, speed and accuracy.