Life Insurance Simplified

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No-code eApp, Automated Underwriting, Analytics
Needs Analysis, Quoting, Illustrations,

Solutions to streamline and automate the application process for Life Insurance Carriers of any size and complexity.

Increase sales, maximize efficiencies, reduce costs, and elevate the user experience.

The liz suite

Powerful leading-edge eApp, underwriting and analytics with dynamic rating and quote calculations.

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No-code eApp
liz flow is a no-code e-app with editor, for optimized customer experience. This product configuration & management platform includes user interface and customer journey tools for advisors, DTC, call centers and more business models.
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Automated Underwriting
liz assess, our hyper-personalized underwriting rules engine is where the magic happens. Supporting all combinations of underwriting models, this automated decision-recommendations tool also includes a no-code editor and testing environment.
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liz data, our data analysis module with built-in logic. This case management platform provides real-time alerts and analytics for timely actionable insights.
Enable the future today

Modular Solutions to enable Full, Individual, Hybrid, or Staged Deployments

Quoting - illustrations - eApp - eSignature - Underwriting - Decisioning - User Portal - Needs Analysis - Data Analytics - and more.



Solutions to handle virtually any life insurance product, for any life insurance carrier of any size and complexity.

Needs Analysis
Multiple Needs Analysis tools to calculate client requirements by defining future needs and specific risks to ensure a client’s financial security in the event of a known or unanticipated life event.
Quoting & Illustrations
Instantly produces calculations, quote comparisons, detailed and compliant illustration reports utilizing an intuitive and engaging user interface for all life and annuity products.
Utilizing advanced technology to remove the complexity of the application process to submit electronically signed apps in good order, increase the speed of issue and condense the sales cycle.
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Proven, Focused, Innovative Vendor Partner with Deep Technology and Industry Subject Matter Expertise

Our solution offers you one system to enable multi-distribution strategies: Agent Model, Direct to Consumer (D2C), Non Face-to-Face, and more. That means one system to enable multi-product strategies: Guaranteed, Simplified, Instant Issue, Fully Underwritten, Term, Permanent, UL, Annuities.

Specialization for small to mid-size carriers
Increase sales of products while reducing costs
Full end-to-end functionality
Optimize your business and streamline processes
Centralized system for any life insurance product
Automation and an elevated user experience
Who We Serve

Segment-specific solutions

We aren’t a one and done kind of solutions provider.
We provide benefits for various segments, including:

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Insurance carriers

Thanks to thinktum’s solutions suite, insurance carriers reduce costs, improve data collection & analysis, and eliminate most underwriting requirements with our hyper-personalized risk assessment platform.

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Insurance Providers

Our solution creates a frictionless journey for every applicant, faster determinations, and the ability to test and edits flows on the fly.

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Distribution Groups

Distributors will appreciate the real-time data analysis functionality, faster application journey, and vigorous assessment & decision functions that liz delivers.

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thinktum believes in providing solutions and assistance wherever we can. For insurtechs, this means our modular solution is affordable but also that we can help update your technology and offer more strenuous business advice to partners and clients alike.

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This market segment values their relationships with their partner firms to provide technology resources, products, services, and expertise to their network. With thinktum’s solutions, reinsurers can upgrade and update all of their partners’ technology in just a few days to allow more products and a better user experience.

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All Industries

liz delivers visibility and control. Every customer journey is fully see-through and customizable, every question is asked in plain language, and every determination is logically sound. Manage flows as you see fit and provide a fast and easy path for everyone, and for anything.

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Who We Are

thinktum Inc Acquires illustrate Inc To Become Powerhouse Technology Solution

We deliver solutions that transform the playing field into something we can all be proud of, including our business strategy consulting services.

Our faith in tech for good guides us while knowing that something better is always possible.