Medical Expertise
Enhance decision-making by leveraging Triglevre’s global network of medical professionals. With both regional and global insights, we provide the expert guidance you need to navigate complex health risks and make informed underwriting choices.
Cutting-Edge Tools
Streamline underwriting and case referrals with Triglevre’s advanced digital tools and services. Our cutting-edge solutions make processes faster, easier, and more efficient, empowering you to deliver exceptional results with confidence.
Pinpoint Insights
Stay ahead of the curve with Triglevre’s comprehensive market analysis, offering you the insights needed to navigate emerging trends and make informed decisions in a dynamic industry.
Medical Officers
Triglevre’s global medical officers enhance risk assessment, refine pricing strategies, and identify emerging health trends. By providing expert insights, we empower smarter underwriting decisions and deliver greater stability across your Life & Health portfolio.
Leverage our range of products, services and solutions to manage your portfolio.
1) Accelerated Underwriting Consultancy
Improve risk selection by optimising your underwriting process.
What is it?
Talk with our team of actuarial and underwriting innovation experts ready to share AUW insights and best practices. Receive recommendations on improvement areas after we conduct a thorough study to better understand your current underwriting program, pain points, and opportunities.
What are the potential benefits?
Minimise labs and APS orders.
Make use of new data sources.
Reduce mortality slippage.
2) Behavioural Economics (BE)
Enhance underwriting and customer interactions with the latest behavioural insights.
What is it?
We apply concepts from BE in both the way we underwrite and how we interact with clients to ensure a human first approach that helps our clients better understand their customers, shape behaviour interventions and lead to more honest disclosures resulting in more accurate underwriting.
What are the potential benefits?
Insight into what unconscious biases and heuristics impact customer and underwriting decisions.
Ideas that will drive favourable changes in buying behaviour, accurate disclosure and minimise biases in Underwriting.
Interact with clients in the most effective way backed by research-based insight.
3) Complex Facultative Underwriting
Unparalleled Underwriting Support and Resources
What is it?
Gain access to Triglevre’s industry-leading collection of underwriting case consultants, detailed reports, and advanced risk statistics, all while efficiently securing available capacity to meet your needs.
What are the potential benefits?
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Expert Reviews: Access technical underwriting reviews from specialised underwriters.
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Emerging Risk Protection: Safeguard your portfolio by aligning with Triglevre’s risk appetite, effectively addressing new and evolving risks.
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Improved Efficiency: Streamline operations, enhance the consumer experience, and increase the scale of insured lives.
4) Data Vendor Impact Assessments
Make Confident Decisions in the Evolving Vendor Landscape
What is it?
Triglevre has built strong partnerships with both established and emerging 3rd party data providers in the life insurance industry. Connect with our team of experts to understand the unique value proposition of each vendor and explore how they can enhance and streamline your underwriting process.
What are the potential benefits?
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Stay Ahead of Changes: Continuously monitor the evolving landscape of data tools and offerings.
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Support Automation Goals: Leverage tools that contribute to your automation and acceleration strategies, preserving mortality insights and improving efficiency.
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Expert Support: Receive analysis, scorecard development, and expert guidance to optimise decision-making.
5) Health & Wellness
Personalise Consumer Interactions and Create Shared-Value Products
What is it?
Did you know that 72% of consumers are willing to share personal data in exchange for lower insurance premiums? Personalisation is the future, and engaging with customers on their health and wellness can help make that future a reality. Triglevre provides the knowledge, tools, and capabilities to help you develop tailored products and programmes, and in return, we may share in a portion of the risk. Together, we can launch a health engagement programme that benefits both your business and your policyholders.
What are the potential benefits?
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Enhance Health and Longevity: Improve policyholder well-being, leading to better health outcomes and longer lifespans.
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Profitable Growth: Attract and retain both new and existing consumers, driving sustainable growth.
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Product Differentiation: Differentiate your offerings while improving mortality and persistency experiences.
6) Metabolic Health
Tackle Insulin Resistance, the Root Cause of Chronic Diseases
What is it?
Metabolic health involves preventive wellness and intervention programmes designed to address conditions like prediabetes, diabetes, obesity, and other aspects of metabolic syndrome (e.g., hypertension, high triglycerides, low HDL, and overweight). Insulin resistance is the common underlying cause of these conditions.
Triglevre partners with a range of providers, offering solutions from informational resources and mobile apps to coaching, Continuous Glucose Monitor (CGM) integration, and even access to general practitioners (e.g., for deprescribing). Our focus is on improving metabolic health by managing glucose and insulin levels, primarily through nutrition and lifestyle changes.
What are the potential benefits?
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New Underwriting Opportunities: Incorporate additional risk factors for more accurate and cost-effective underwriting.
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Healthier Policyholders: Support policyholders in improving their long-term health and well-being by addressing metabolic conditions early.
7) Training & Development
Empower Underwriters for the Future and Stay Ahead of Innovations
What is it?
Triglevre offers comprehensive training across a wide range of underwriting topics, tailored to both new and experienced underwriters. By leveraging our network of global experts and thought leaders, we provide access to industry-leading insights and knowledge. Our training modules are integrated with Life Guide principles, digitally enabled, and complemented by a personal touch to enhance the learning experience. Continuous updates ensure our clients stay informed of the latest innovations and trends.
What are the potential benefits?
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Enhanced Underwriting Expertise: Develop both new and experienced underwriters with cutting-edge training aligned with industry best practices and Life Guide philosophies.
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Cost-Efficiency: Save the resources typically required to develop in-house training programs by accessing our world-class materials and expertise.
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Global Knowledge at Your Fingertips: Benefit from Triglevre’s deep market knowledge and technical insights, all backed by Evidence-Based Rating guidelines and the latest industry trends.
8) Underwriting Audits & Process Reviews
Quality Control Beyond Simple Case Checks
What is it?
Triglevre’s underwriting audits go beyond basic case reviews to assess the quality of technical decisions, making them a crucial part of effective risk management. Our expertise extends to consultancy-style reviews, covering all facets of the case handling process. This approach enhances efficiency, reduces costs, and drives better customer outcomes.
What are the potential benefits?
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Identifying Training and Development Needs: Pinpoint areas for improvement and propose targeted solutions to elevate underwriting performance.
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Operational Cost Savings: Streamline processes to drive cost savings and improve operational efficiency.
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Improved Decision-Making: Facilitate faster, more informed customer decisions, leading to enhanced business placement results.
9) Underwriting Case Referral
A Fast, Simple, and Secure Way to Submit Cases
What is it?
Triglevre offers a streamlined, highly secure system for submitting cases and exchanging information. Designed for ease and efficiency, our solution simplifies the process, enabling you to achieve your goals through faster submissions and real-time updates.
What are the potential benefits?
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Time Efficiency: Save time with quick installation and simplified case referral processes.
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Improved Transparency: Gain full visibility into each case’s status, ensuring clarity at every stage.
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Real-Time Updates: Access up-to-date case information anytime, empowering you to make informed, timely decisions.
10) Underwriting Consultancy
Industry-Leading Advisory and Analytics Service
What is it?
Triglevre offers comprehensive underwriting consultancy through on-site reviews or remote document analysis, supported by interview-based insights. We deliver best-in-class advice on underwriting skills, processes, products, journeys, automatic evidence limits, and much more. Additionally, we use advanced analytics to unlock deeper insights from your underwriting data, empowering better business decisions.
What are the potential benefits?
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Actionable, Commercially-Focused Insights: Gain an “outside-in” view that helps identify both short-term adjustments and long-term strategic changes.
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Operational Cost Savings: Streamline operations, enhance efficiency, and reduce costs while improving customer service response times.
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