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Life Insurance Management
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Life Insurance Management · Available now

Keep each policy decision and payment traceable.

Life Insurance Management keeps policyholder eligibility, coverage lines, policy revisions and carrier issuance references together. An Insurance Coordinator prepares the assigned policy and its evidence.

Start now Download Proto
  • No per-user fees
  • Manual work is free
  • Configure it in Proto
OverviewLifecycle and issuance
Life Insurance Management · Policies

Lifecycle and issuance

Policies in one list

New policy
Policies in view
6
Total premium USD
2,140
Draft
2
Under review
2
Draft2
Marisol Vega family term coverageCLP-6031842
880
31 Oct
Juniper Works executive coverCLP-6032254
310
12 Oct
Add
Under review2
Cedarfield staff group lifeCLP-6031907
170
22 Oct
Elise Navarro retirement protectionCLP-6032319
570
25 Oct
Add
Issued1
Anika Shah twenty-year termCLP-6032011
180
20 Oct
Add
Active1
Marcus Bell whole life planCLP-6032188
30
15 Oct
Add
Marisol Vega family term coveragePolicies · PLC-69701
Draft
Effective date31 Oct
Premium USD880
OwnerElena Brooks
Carrier policy IDCLP-6031842
Review revisionPLC-69701 · Marisol Vega family term coverage

Authorized Underwriter decides on the policy revision.

Waiting for Authorized Underwriter
ApproveReturn
Example screen with sample data
Tables, ready to use
15
Saved views
12
Roles with set permissions
5
Reports and dashboards
8
Features

Follow the policy and its next decision

Every feature works on the same records. Pick one to see the screen your team works in.

Policies and issuance

Prepare coverage, review a revision and retain the carrier issuance reference.

  • Policy identity
  • Coverage terms
  • Issuance result
  • Policies
  • Policy coverages
  • Policy endorsements
  • Review decisions
  • Operation receipts
Explore policies and issuance
OverviewPolicies awaiting review
Life Insurance Management · Policies and issuance

Policies awaiting review

Policies

New
Record numberSubjectRevisionOwnerCounterpartyEffective date
PLC-16148Marisol Vega family term coverage20Minh AlvarezAnika Shah14 Oct
PLC-27047Cedarfield staff group life170Elena BrooksMarisol Vega19 Oct
PLC-72227Anika Shah twenty-year term890Isha VarmaNadia Osman25 Oct
PLC-51935Marcus Bell whole life plan290Noura HaddadJuniper Works Cooperative15 Oct
PLC-31120Juniper Works executive cover150Daphne WardJuniper Works Cooperative25 Oct
6 of 6 records
Marisol Vega family term coveragePolicies · PLC-16148
Revision20
OwnerMinh Alvarez
CounterpartyAnika Shah
Effective date14 Oct
Example screen with sample data
Process

From reviewed policy to verified benefit

Reviewed policy to verified outcome ships ready to use. 2 steps need a named approval before the work moves on: Review revision (Authorized Underwriter) and Decide benefit (Authorized Underwriter).

Drag a card to another stage, or focus it and use the arrow keys. It updates to match the stage.

  1. Prepare policy

    Record the policyholder, owner, premium and coverage terms.

    Marisol Vega family term coveragePLC-69701 · Insurance Coordinator
    Prepare policyBy Insurance Coordinator

  2. Review revision

    An Authorized Underwriter examines the current policy revision.

    Marisol Vega family term coveragePLC-69701 · Authorized Underwriter
    Review revisionBy Authorized Underwriter
    ApprovalAuthorized Underwriter decides on the policy revision.

  3. Issue policy

    Keep the carrier ID and issue time on the reviewed policy.

    Marisol Vega family term coveragePLC-69701 · Insurance Coordinator
    Issue policyBy Insurance Coordinator

  4. Receive premium

    Match a verified provider event to the policy.

    Marisol Vega family term coveragePLC-69701 · Insurance Coordinator
    Receive premiumBy Insurance Coordinator

  5. Decide benefit

    Authorized Underwriter records the benefit decision and reason.

    Marisol Vega family term coveragePLC-69701 · Authorized Underwriter
    Decide benefitBy Authorized Underwriter
    ApprovalAuthorized Underwriter decides the benefit after assessment.

  6. Reconcile outcome

    Compare the recorded action with its persisted effect.

    Marisol Vega family term coveragePLC-69701 · Authorized Underwriter
    Reconcile outcomeBy Authorized Underwriter

Start with Policy review and issuance

Inside a record

Connect carrier and payment events

Open any policy to see its claims, the roles that work on it, its process stages and its approvals on one page.

  1. 1
    Record details

    Effective date, Premium USD, Owner and Carrier policy ID.

  2. 2
    Claims

    Each line is linked to this policy.

  3. 3
    Who works on it

    Insurance Coordinator, Authorized Underwriter and Auditor, each with their own permissions.

  4. 4
    Process stages

    Review revision and Receive premium, with the role that acts.

  5. 5
    Approvals

    Review revision and Decide benefit, with who decides.

Lifecycle and issuanceMarisol Vega family term coverage
Life Insurance Management · Policies

Marisol Vega family term coverage

CLP-6031842 · Draft

Log activity
1
Record details
Effective date31 Oct
Premium USD880
OwnerElena Brooks
Carrier policy IDCLP-6031842
2
Claims

Marisol Vega family term coverage

Claim numberLoss atReported at
CLM-1869002 Nov10 Nov
CLM-1596326 Oct31 Oct
CLM-3199919 Oct28 Oct
Claims
6
Total claimed USD
4,080
3

Who works on it

  • Insurance CoordinatorManage Policies, policy coverages, record attachments
  • Authorized UnderwriterView claim decisions, claim payments, Claims, maturity reviews…
  • AuditorView claim decisions, claim payments, Claims, maturity reviews…
4

Process stages

  • Review revisionAuthorized Underwriter
  • Receive premiumInsurance Coordinator
5

Approvals

  • Review revisionAuthorized Underwriter
    Approved
  • Decide benefitAuthorized Underwriter
    Waiting
Example screen with sample data
Approvals

Keep decisions with the authorized reviewer

Authorized Underwriter reviews revisions and examines benefit evidence.

OverviewApprovals
Life Insurance Management · Overview

Approvals

Signed in as Authorized Underwriter

Waiting for you

4 To review1 Overdue2 Decided todayOnly mine
0 selectedApproveReturn
  • MR-77799POL-2026-11041
    Signed designation.pdfRequested by Insurance Coordinator
    Waiting2dActions
  • MR-79392POL-2026-11042
    Beneficiary ID scan.pdfRequested by Insurance Coordinator
    Waiting2dActions
  • MR-30860POL-2026-11043
    Estate certificate.pdfRequested by Insurance Coordinator
    Waiting2dActions
  • MR-83724POL-2026-11044
    Relationship affidavit.pdfRequested by Insurance Coordinator
    Waiting4dActions

Who approves what

DecisionApprover
Review revisionAn Authorized Underwriter examines the current policy revision.Authorized Underwriter
Decide benefitAuthorized Underwriter records the benefit decision and reason.Authorized Underwriter
2 approval rules · set per role in Proto
Example screen with sample data
Who can approve what
Roles

A workspace for each role

Everyone opens Life Insurance Management to the work that is theirs. Pick a role to see what it starts with.

Insurance Coordinator

Prepares assigned operational records and executes eligible reviewed actions.

This is the first screen this role sees.

OverviewLifecycle and issuance

Lifecycle and issuance

Policies · Insurance Coordinator

Draft2
Marisol Vega family term coverageCLP-6031842
880
31 Oct
Juniper Works executive coverCLP-6032254
310
12 Oct
Add
Under review2
Cedarfield staff group lifeCLP-6031907
170
22 Oct
Elise Navarro retirement protectionCLP-6032319
570
25 Oct
Add
Issued1
Anika Shah twenty-year termCLP-6032011
180
20 Oct
Add
Active1
Marcus Bell whole life planCLP-6032188
30
15 Oct
Add
Example screen with sample data

Roles and permissions

Reports

Read the policy and benefit trail

Read issued policies, benefit decisions and operation exceptions from linked records.

Overview
Life Insurance Management · Overview

Life Insurance Management dashboard

This quarter

Maturity reviews in view
6
Total benefit USD
3,640

Policies by status

How far records got this quarter

StageReachedStep
Draft44
Under review2966%
Issued1552%
Active747%

Premium USD by status

Sample totals per stage

10.0k0
4.0kDraft
3.0kUnder review
7.0kIssued
9.0kActive
10.0kExpired
Example screen with sample data
  1. 01Issued policies by organization

    Group issued policy records by organization and owner.

  2. 02Premium receipts by policy

    Sum verified receipt amounts against each policy and provider event.

  3. 03Open claims by status

    Compare reported, assessment and review claims with claimed amounts and loss dates.

  4. 04Approved benefits and paid amounts

    Compare authorized benefit amounts to verified payments by claim.

  5. 05Maturity reviews by date and state

    List benefit reviews by maturity date, revision and current status.

  6. 06Operation failures

    Show failed and needs-review receipts with action, reason and occurrence date.

  7. 07Policy coverage limits

    Show coverage limits and effective periods beneath each policy.

  8. 08Evidence access

    List attachments by visibility, uploader, evidence type and policy.

All reports and dashboards

Who it's for

Fit the way your insurer works

See how Life Insurance Management fits your kind of team.

Individual life operations

Follow individual policyholders from issued coverage to benefit evidence.

Group policy operations

Keep organization scope and policyholder eligibility clear across a group portfolio.

Benefit administration

Review claim and maturity benefits against policy evidence and recorded decisions.

Controls

Trace every guarded action

Each stage of reviewed policy to verified outcome names the role that acts and the status it records, so a change is never anonymous.

OverviewReviewed policy to verified outcome
Life Insurance Management · Process

Reviewed policy to verified outcome

Each stage, the role that acts and the status it records

Process stages
10
Approval steps
2
Roles involved
3
Tables touched
7
Review revisionApproval
Authorized Underwriter
StatusDraft → under review
RecordsReview decisions, Policies
Issue policy
Insurance Coordinator
StatusUnder review → Issued
RecordsOperation receipts
Assess claim
Claims Examiner
StatusReported → Assessment
RecordsOperation receipts, Claims
Reviewed policy to verified outcome
  1. Start
    Review revisionDraft → under review
    Review decisions
  2. Step
    Issue policyUnder review → Issued
    Operation receipts
  3. Step
    Assess claimReported → Assessment
    Operation receipts
  4. Approval
    Decide benefitAuthorized Underwriter
    Claim decisions
  5. Step
    Settle claimApproved → Settled
    Authorized Underwriter
Example screen with sample data

See each stage in detail

AI agent

Ask Proto to prepare the next case

Ask Proto to prepare policy and benefit work while people retain decisions.

It can

  • Insurance Coordinator: Find assigned policies awaiting preparation and gather their coverage and policyholder context.
  • Authorized Underwriter: Assemble a revision, evidence and operation receipt for a decision.
  • Auditor: Trace a claim from reported loss through decision, verified payment and settlement receipt.
  • App Administrator: Review organization and team membership before the first operating cycle.

Stays with a person

  • A person makes the policy or benefit decision and checks a provider event against its source.
  • Reconciliation requires the persisted effect to match the expected action.
  • The agent can gather context and point to the relevant records, while the named role decides and records the result.

Set up an agent

Integrations

Connects to the tools you use

Set up connections through ERP.AI and Proto workflows, with every change logged.

  • Life Insurance Management
  • Carrier issuance
  • Premium provider
  • Claim payment provider
  • Identity
Data model

Your data, in tables you can change

Every record lives in a table you can see, extend and export. Add fields or whole tables in Proto.

Browse all 15 tables
15tables
  • Policies and issuance5
  • Policyholders and teams5
  • Premium collection4
  • Claims and settlement6
  • Maturity reviews4
  • Review and evidence5
Implementation

Roll out one team at a time

Start with one team and one process, then add the rest once the basics are running.

  1. Establish scope

    Set the insurer organization, active policyholders, team members and user links.

  2. Prepare the policy

    Load a representative policy, coverage terms, owner and effective dates.

  3. Rehearse review

    Have an Authorized Underwriter decide on a specific revision before issuance.

  4. Check external events

    Match a carrier reference and verified premium event to the policy.

  5. Exercise benefits

    Assess a reported claim, inspect a benefit decision and submit a maturity review at the expected revision.

Read the implementation plan

Pricing

$0per user

The base account and everyday work in the ERP.AI app are free, for every user.

  • No per-user or per-seat fees
  • Viewing, editing, approving and exporting records in the app is free
  • Pay only for machine work: API calls, imports, workflows and AI agents
  • Prepaid credits from $5. Purchased credits never expire

Pricing details

Machine work rate card Included per $1 of credit

Machine work rate card
UsagePer $1
Record reads (list, filter, get)20,000
Search or aggregate queries4,000
Record writes4,000
Imported or synced records200,000
Workflow runs2,000
AI agent runs2,000
Scheduled jobs or webhooks20,000
File uploads (MB)2,000
CSV or PDF exports100
FAQ

Questions, answered

Scope, rollout and pricing for Life Insurance Management.

All questions
How do I get started?

Click Get started, then use Proto to configure Life Insurance Management for your business. Pilot one insurer organization, a reviewed policy, a verified premium receipt and a benefit case.

Who prepares a policy?

Insurance Coordinator prepares assigned policies, coverage lines and supporting attachments. Authorized Underwriter reviews the eligible revision independently.

What happens when a policy is issued?

The issuance action moves an under review policy to Issued, records the carrier policy ID and issue time, and leaves an operation receipt.

How are premiums traced?

A premium receipt links the amount, date, provider event ID and verification state to its policy.

How is a reported claim assessed?

The assessment action moves an eligible Reported claim to Assessment or records a reasoned refusal. The benefit decision remains a separate record.

What supports claim settlement?

An approved claim decision and verified provider payment support the settlement action. The payment links to both the claim and decision.

How do maturity reviews advance?

The coordinator prepares a Draft review with benefit evidence. The authorization action submits the expected revision and records a receipt; a stale revision leaves a failed receipt.

Who reviews operation exceptions?

Authorized Underwriter compares a pending or needs-review receipt with the persisted effects before completion. Auditor can read the trail.

Can I correct an issued policy?

An executed change follows the reviewed endorsement route, with its reason, approval and carrier receipt retained.

Where does my team see current work?

Operations Overview shows issued policies, open claims, pending decisions and failed operations. Saved policy, maturity, operation and claim screens provide the case detail.

Set up Life Insurance Management your way.

Start free, then use Proto to change fields, steps and approvals before your team goes live.

Start now Download Proto

How to get started

A personal agent for your business

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