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The InUnison Solution
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The InUnison Solution integrates the industry-leading services and technology of its providers into a seamless business program, beginning with product development. The solution providers support the entire business cycle from quote to claims as shown in the diagram below.
Here is an outline of how The InUnison Solution process works:
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Develop
| • | Design and price product |
| • | Develop advanced risk management approaches to enhance financial performance |
| • | Create rate tables |
Quote
| • | Agent verification |
| • | Quote coverages and rates |
| - Printable quote |
| - Email quote |
Apply
| • | Multiple application options, including electronic, and integration with current processes |
| • | Multiple signature options, including e-signatures |
| • | Health survey with drill down questions |
| • | Built-in rules-based underwriting for faster, easier application process (and optional automatic decisions, based on responses) |
Rate
| • | Online third-party verification data gathered |
| • | Enables accelerated decision-making |
| • | Automated risk evaluation rules engine can, optionally, apply appropriate rates |
Underwrite
| • | Straight through processing supported |
| • | Expert underwriting system enables automated underwriting decision, or hand off to underwriter for manual underwriting |
| • | Underwriter Workbench manages manual underwriting work flow |
| • | Telephonic and in-person screens |
| • | One-click requirements ordering |
| • | Document Manager for completed application and required state forms |
| • | Seamless hand off to policy admin system |
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Issue
| • | System issues policies based on carrier's rules and decisions |
| • | Appeals handled |
| • | Premium billing and collection |
| • | Multiple commission options |
Administer
| • | Customer service |
| • | Commission options for initial and renewals |
| • | Agent service portal |
Claims
| • | Claims intake and administration |
| • | Review of proof of loss |
| • | Assessments via LifePlans' Family Caring Network |
| • | Decision |
| - Benefit eligibility |
| - Provider eligibility |
| • | Claims payment |
| • | Care coordination via LifePlans' Clinical Care Managers |
| • | Ongoing monitoring and payment |
| • | Appeals handled |
The InUnison Solution allows the carrier to select any or all of these functions. If begun as a new product program hosted offsite in an ASP environment, it can later efficiently and cost effectively be migrated in house as the carrier gains more experience with the products and processes, all of this with the guidance and assistance of The InUnison Solution experts.
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