Accelerating complex high-net-worth cases from submission to issuance
About the Customer
Sun Life's High-Net-Worth business serves affluent and ultra-high-net-worth clients through specialized advisors, underwriters, and wealth planning professionals. The business supports sophisticated protection, estate planning, and wealth transfer solutions that often involve complex ownership structures, trusts, corporate entities, and cross-border financial arrangements.
Summary
The customer wanted to reduce the time required to progress high-net-worth insurance applications without compromising underwriting rigor. Complex cases often remained open for weeks or months as medical evidence, financial documentation, and ownership records arrived from multiple parties.
Kamios introduced a mandate-driven orchestration layer that continuously manages requirements, tracks evidence, and prepares underwriters with a complete, cited view of each case. By keeping cases active throughout their lifecycle, the platform helped reduce delays, improve continuity, and ensure underwriters spent their time evaluating risk rather than managing administration.
The Challenge
High-net-worth underwriting cases often involve large amounts of medical, financial, and ownership information collected over extended periods. Underwriters needed to coordinate multiple stakeholders and manage evolving requirements while maintaining a complete understanding of each case throughout its lifecycle. This resulted in:
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01
Large volumes of supporting evidence to review
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02
Multiple stakeholders involved in each case
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03
Long-running requirement tracking and follow-up
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04
Difficulty maintaining case continuity over time
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05
Delays that increased customer attrition risk
The Kamios Approach
Kamios introduced a long-running case orchestration model that actively manages every stage of the underwriting journey. Rather than treating each interaction as a separate task, the platform maintains continuity from application submission through issuance preparation.
Evidence Consolidation
Created a unified view of medical, financial, and ownership information.
Requirement Management
Generated and tracked underwriting requirements automatically.
Case Continuity
Preserved context across long-running cases.
Stakeholder Coordination
Managed interactions and dependencies across parties.
Risk Narrative Generation
Produced structured summaries of key underwriting considerations.
Issuance Preparation
Prepared supporting documentation for policy issuance.
Business Impact
Kamios ensured that cases continued progressing even when evidence arrived gradually over time.
Requirements were generated, tracked, and followed up systematically, reducing the risk of delays caused by manual coordination. Underwriters received better-prepared files with complete context and supporting evidence already assembled. This allowed them to focus on risk assessment and decision-making while reducing the administrative effort required to manage complex cases.
Outcomes
- Administrative effort was reduced through proactive case management.
- Underwriting requirements were tracked more consistently.
- Case continuity improved across extended timelines.
- Delays caused by missing evidence were reduced.
- More cases progressed efficiently toward a decision.
Who is Kamios?
Kamios is the AI agent orchestration platform purpose-built for Insurance and regulated industries: one governed place for insurers, banks and financial services firms to run AI agents on live cases, from claims and underwriting to onboarding and credit decisions, with every action declared, evidenced and metered. A Neutrinos business, built by founders with decades in insurance and banking technology.