Long-horizon AI agents for life insurance claims and underwriting.
Life files demand careful document handling, beneficiary verification, and medical evidence review. The life claims agent works each file end to end — intake, beneficiary verification, document ingestion, contestability support, payout preparation — in one continuous run that lasts hours or days. The life underwriting agent ingests medical records and carries each application to a referral-ready risk summary the same way.
One long-horizon agent per life function.
Each agent below owns every step of its function and runs uninterrupted for hours or days — inside your existing systems, until the work is finished and staged for human approval.
The life claims agent
One agent works the entire claim. It verifies beneficiary identity, gathers and ingests required documentation, assembles medical and application evidence when the contestability window applies, and prepares the payout package — running uninterrupted for hours or days until the file is examiner-ready.
The life underwriting agent
One agent carries each application from intake to classification. It ingests APS records, summarizes clinical findings, links evidence to the risk decision, and supports preferred / standard / substandard classification with documented rationale — staying on the case until the referral package reaches the senior underwriter.
Claims and underwriting workflows in life.
Every step below belongs to one agent's single continuous run — one long-horizon agent per function, working uninterrupted until the work is finished.
Claims workflows.
Every step below is automated by the single life claims agent in one continuous run — intake, summarization, file preparation, and routing for examiner approval inside your existing systems.
- 01Claim intake
- 02Beneficiary verification
- 03Document ingestion
- 04Contestability review support
- 05File readiness
- 06Payout preparation
Underwriting workflows.
The life underwriting agent carries each submission through every step below in a single uninterrupted run — intake, extraction, risk summarization, and quote and referral preparation.
- 01Application intake
- 02Medical record ingestion
- 03Risk summarization
- 04Tier and class support
- 05Referral package
How Layerup deploys here.
Operational details that matter when deploying long-horizon AI agents inside life operations.
- 01Individual and group life supported, including simplified-issue and fully-underwritten flows.
- 02Documentation handled with controls appropriate for sensitive medical and financial data.
- 03Approval gates configurable per face amount, age band, and policy type.
Explore other lines of business.
Layerup runs critical workflows across the insurance and financial services lines below.
Deploy long-horizon AI agents in your life operation.
Start with one function's agent. Prove the operational lift. Then expand by line of business or by department.