SymbioSys In-force Illustration generates accurate, regulatory-compliant illustrations for existing policies which include current fund values, maturity projections, partial withdrawals, and top-ups. It achieves all these using real-time data imported from your Policy Administration System. Intelligent solve-for calculations answer the questions policyholders actually ask.
Key Features
Purpose-built for policyholder conversations that happen post sale. One engine for re-projection, scenario modeling, and compliant output.
Real-Time Policy Projection on Live PAS Data
Imports current policy data and re-projects it on a full actuarial calculation engine. Rate tables and rating rules are externalized from code, so actuarial updates are configured, not developed.
Intelligent Solvers To Answer Customer Questions
Intelligent solve-for calculations work backward from the goal to the number. With 10 Solvers across the SymbioSys illustration engine, every servicing conversation becomes a guided advisory conversation.
Compliant, Exportable Output – Online or Offline
Every in-force illustration is generated under the same centrally managed, regulatory-controlled configuration that governs your new business outputs. So compliance is consistent across the policy lifecycle.
Business Benefits
SymbioSys In-force Illustration delivers measurable improvements in persistency, servicing efficiency, customer engagement, and in-force book growth.
Proactively Save At-risk Policies Before They Lapse
Paired with AI-driven Early Lapse prediction, in-force illustration flags at-risk policies before they lapse. It gives your distributors the signal and the answer, protecting renewal income and already spent acquisition cost.
Grow In-force Book with Servicing Conversations
Instead of servicing being a cost center, the in-force book becomes a growth channel. The illustration engine makes the case in numbers the customer can trust.
Deepen Customer Trust with Higher Transparency
Accurate, on-demand illustrations of fund value, maturity outcomes, and the consequences of any change give genuine transparency. Builds trust that drives persistency, referrals, and long-term relationship value.
One Illustration Engine Across the Entire Policy Lifecycle
Configure a product once. It works for both new business and in-force servicing, so there is no divergence between the sold product and its later projection. Eliminates reconciliation of inconsistencies.
Turn In-force Activity into Actionable Intelligence
Dashboards reveal the cohorts drifting toward lapse, and underfunded policies. Identify buildup of withdrawal and surrender pressure, and the conversations that convert into top-ups and upgrades.
Why C2L BIZ as Your Transformation Partner?
In-force illustration demands actuarial precision, regulatory rigor, and a deep understanding of the servicing conversation. C2L BIZ brings all three to the table. In over 19 years focused exclusively on insurance, we have delivered illustration solutions across Hong Kong, India, Indonesia, Malaysia, the Philippines, Singapore, Thailand, and Vietnam. These span Term, Whole Life, Universal Life, Unit Linked, Annuity, Health, and Pension lines.
Celent Luminary 2023 — Sales and In-force Illustration, Global and North America
Real-time PAS data import for accurate in-force re-projection, every time
Intelligent solvers: minimum deposit to avoid lapse, target CSV, and desired income
Regulatory-compliant output, hybrid online and offline with automatic sync
In-force analytics and AI-driven Early Lapse prediction, on the SymbioSys data foundation
Integrations
SymbioSys In-force Illustration connects with the policy, servicing, portal, and analytics systems that real conversations depend on. Leverage the power of ready-built APIs and microservices architecture.
Policy Administration Systems
Real-time PAS data import brings current policy status, fund values, premium history, and benefit details into every re-projection. Illustrations reflect the policy exactly as it stands.
Producer, Policyholder, and Customer Portals
Native integration with the SymbioSys Producer Portal, Policyholder Portal, and Customer Portal delivers in-force illustrations through self-service and advisor-assisted channels alike.
Needs Analysis and eApplication
Integration with Needs Analysis and e-Application. When a new projection reveals a gap, the advisor moves straight into next steps without leaving the journey.
Business Intelligence and the SymbioSys Data Foundation
Native integration with Business Intelligence and Analytics feeds in-force illustration and solver activity into the SymbioSys data foundation. It powers the dashboards and AI models.
Case Studies
Actual results from insurers who transformed their in-force servicing and illustration with SymbioSys.
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