Modern Personal Lines
Insurance Software Solutions
Full Stack Solutions for Personal Lines Insurance
Digitalize End-to-end Policy Lifecycle
for Personal Lines Insurance
Cogitate DigitalEdge offers a variety of personal lines insurance software to
help insurance providers of all sizes build an omnichannel ecosystem that
delivers exceptional user experience to channel partners and customers.
The personal lines solutions cover the entire policy life-cycle starting from
the Rate, Quote, Bind & Issue to post-sale services like endorsements,
renewals, cancellations, rewrites and reinstatements.
Modern Features of Personal Lines Insurance Software
Pre-integrated third-party data services for automatic risk capture and data-prefill
Underwriting risk information validation embedded in the transaction process
LoB specific analytics with dashboard and drill-down reports
E-signature verification through mobile One-Time Password (OTP)
Contemporary user interface with white labeling
Personal Property
The Cogitate Personal Property insurance suite offers digital insurance
solutions for Home Owners, Dwelling Property, Renters, Flood, Earthquake,
Farm & Ranch, and more.
Acquires more than 80 risk attributes by just entering the address of the
property from pre-integrated third-party data sources
Intelligent underwriting process minimizes user inputs and human errors
Seamless, real-time communication throughout the policy life cycle
Integration of customer e-signature with mobile using OTP (One-time-password)
Personal Auto
Personal Auto specific pre-integrations to automatically populate vehicle risk attributes using VIN number
Fetches past claim history for accurate risk evaluation
Comparative Rater for Quote options
Personal Umbrella
Available for a wide range of personal lines
Agent enters the insured's underlying policy and can verify if it meets the underwriting guidelines of umbrella
Other validations - multiple claims, lawsuits, etc.
Benefits
Accelerate Digitalization
Achieve omnichannel (B2B and B2C)
distribution by easy integration with
existing Core & Legacy Systems
Rapid Implementation
Go Live in 8-12 weeks
Transforming User Experience
Deliver meaningful and relevant
experience across the policy life cycle
to build brand loyalty
Increased Speed to Market
Launch new products for your customers quickly and
get an edge over the competition with
Low Code No Code capabilities
Reduce Operational Cost
Enhance the efficiency and productivity with no hidden
charges and fees, and 'Pay-as-You-Grow model
Future-ready, Cloud-native Platform
Flexible, scalable, modular and
replicable to support future growth
Faster Communication
Offers seamless communication
across the insurance value chain
participants
Line of Business Agnostic
With customizable and configurable
modules digitalize any line of business
“We are very excited about working with Cogitate. Their innovative digital platform will further strengthen our
ability to offer an unmatched channel partner and end-user customer experience. Also, this technology offers
straight-through processing with built-in workflows for Underwriter approvals which will make it
easy for our channel partners and customers to do business with us.”
Brian Foley
Personal Lines Practice Leader
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