Life
Death and beneficiary verified against the civil registry, so a family is not sent to collect papers.
Civil registry (death records)
Where it breaks today
Verification depends on a death certificate and on proving who the beneficiary is.
Verification depends on a death certificate and on proving who the beneficiary is. Both are paper errands for a grieving family.
The file passes through several offices. Each one re-checks what the last one checked.
The payout arrives when the household has already had to find the money elsewhere.
What AXK does
The death is verified against the civil registry rather than against a certificate someone carries in.
The beneficiary named on the policy is matched against the national identity record. A mismatch is raised as a specific question, not as a rejection.
Premium status, waiting periods and exclusions are evaluated as rules the insurer wrote, and the result is shown with the rule that produced it.
Files that need a human get one, with the verification already done and the open question stated.
What it reads from
- Civil registry (death records)
- National identity records
- Insurer policy and beneficiary registers
- Mobile money and bank settlement rails
How it settles
The named beneficiary is paid over mobile money or bank transfer.
The named beneficiary is paid over mobile money or bank transfer. The family files once and does not carry the file between offices.
The other lines
One engine, every line of insurance.
Building on life claims?
Tell us what the claim looks like today and what evidence you already have. We'll tell you honestly whether AXK's rules engine is a fit.