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HCL Technologies Office Head Office

HCL Technologies Ltd The Senate #33A, Ulsoor Road, TEL : +91-80-51246800 FAX : +91-80-51246888

Australia Office

Level 23, 111 Pacific Highway North Sydney Australia Tel.: +61-2-9929-9900 Fax: +61-2-9929-9100 Email: [email protected]

China Office

HCL Technologies (Shanghai) Limited 5th Floor, Building 23, 498, Guoshoujing Road PuDong New Area People's Republic of China Tel: +86-0-21-50805106 Fax: +86-0-21-50805776 Email: [email protected]


91-44-22540473 Extn 2104


Ravi Shanker
[email protected]

HCL’s Policy Underwriting System


Policy Underwriting System is HCL’s SOA based solution that automates the Policy Lifecycle from application submission to approval or decline of the application by leveraging Workflow Optimization and Business Rules Management.
The solution strengthens insurers’ strategic Risk Management capabilities, by consistently underwriting commoditized risk while restricting manual intervention by Underwriters/Risk Officers only for complex risks and exceptions
Policy Underwriting Systemis a solution that empowers underwriters to do their job faster, better and smarter as it ensures quality of data submitted, assesses file completeness, swiftly accepts low risk cases by applying preset underwriting rules. This reduces the cycle time, underwriting and operational expenses, and increases underwriting productivity and profitability, enabling insurers with better decision making capabilities



  • Configurable rules engine and work flow to provide accurate and real time underwriting decisions
  • Supports a broad spectrum of users from Distributors, Underwriters, Supervisors, call centre representatives to Home Office
  • Auto Assignation and re-assignation of work for Load Levelling
  • N-tier architected, Thin Client based and a componentized system to enable deployment independently or on an Unified basis
  • Seamless Integration with Legacy environments and third party applications
  • Faster; reduces underwriting cycle time
  • Smarter; Lesser Staff Cost, better Business Activity Management by monitoring, measuring and improving underwriting operations
  • Better; consistency  in underwriting and higher revenue generation 



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