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What We Do | Data-Driven UnderwriterFaster Underwriting Decisions Powered by Data-Driven Tools

Our platform is designed to seamlessly integrate automated and underwriter-assisted decisioning.

  • Optimize

    Underwriters can optimize their time with risk-based underwriting, which focuses underwriters’ attention on the greatest sources of risk. Create more efficient processes and approve more cases without hiring additional underwriters.

  • Capture

    A streamlined underwriting process will improve advisor and customer experience, allowing you to capture more advisor share of wallet and convert more customers to policyholders.

  • Iterate

    Our rules manager and configuration tools allow business users to adjust product and risk parameters without development support.

Why Work with Us

  • Data first, not document first

    Fewer pdfs, more streamlined user experience, and more information that can be used to draw business insights via analytics.

  • Faster cycle times for advisors and clients

    Provide advisors and customers with faster decisions by pre-approving customers for different products and face amounts without going through underwriting again.

  • Exceptions-based underwriting

    Reduce risk and increase underwriting efficiency by up to 50%. Our risk tiles allow underwriters to focus their attention where it’s most needed so they can make decisions more quickly.

  • Configure our rules engine, or connect to your own

    One platform to continuously update your rules and risk parameters without technical assistance and connect to external rules engines without impacting the user experience.

  • Out-of-the-box data integrations

    Integrations with leading third-party data sources to create a one-stop-shop for your data analysis.

Statistics based on one Haven Technologies client experience as of 06/2022. Actual experiences may vary.

Alan Yu

From Our Experts

Our platform is a hybrid of both human and algorithmic underwriting - and how much manual or human underwriting is involved, versus how much algorithmic underwriting is involved, is up to the client. Our underwriter solution module helps to grow revenue faster through the sales efficiency and underwriting speed, delighting not just the company and the underwriters but advisors and clients.”
Alan Yu Haven Technologies Product Owner and Former Underwriter

Industry Challenges

Experience from Real Underwriters

The average underwriter spends less than 1/3 of their time on actual underwriting. Over ½ of underwriters say technology has had no impact or has increased their workload.*

Our blueprints are designed by underwriters for underwriters to help reduce workload, optimize processes and increase productivity.

Platform Power: Real Results

  • 50 %

    Increased Efficiency

    Increased underwriter efficiency of 50%.—tackle more cases without hiring more underwriters.

  • 4.5

    Shorter Sales-Cycles

    Had 4.5 days median time labs received to offer made.

  • 80 %

    More Policies Issued

    Realized 80% customer conversion from application submission to policy issuance.

Statistics based on one Haven Technologies client experience as of 06/2022. Actual experiences may vary.

*Michael Reilly, Why Underwriters Don’t Underwrite Much, (Insurance Blog, Accenture, 2022)

RegiLife Fluidless Underwriting Program

We started with a blank sheet of paper, so you don’t have to.

Jumpstart the development of your fluidless underwriting with RegiLife. We provide a template for fluidless underwriting that can sit on top of your existing underwriting program and our Accelerator Team can help you define your goals and optimize the program to meet your needs.


A defined set of risk buckets that should be considered in the app and data sources

Rules Set

Each risk bucket is assigned a set of pre-configured rules


Determine whether each case qualifies for an instant decision, needs additional info or should be routed to full underwriting

Client Experience

The program will assign a rate class instantly or provide underwriters an outline of next steps

Rules Engine Instant Decision Assign a rate class
or decline class
Additional Info Required Recommend additional
data that can be used to keep case down fluidless path
Data Sources
Route to
Full Underwriting
Define cases that
are not eligible for a
fluidless decision

Meet your team

The best way to understand our technology is to learn from the people behind it. Hear our experts explain what makes our platform special.

  • Alan Yu


    Alan Yu shares a little bit about how we streamline the risk assessment process for underwriters.

    When I was little I wanted to grow up to be a: Civil Engineer play video
  • Insurance Product Design

    Erika Dochney talks about how Haven Technologies can help you create products that are easy for customers to understand.

    A food that I'm particularly good at making is: 48 Hour Chocolate Chip Cookies with Flaky Sea Salt play video

Are you a carrier ready to talk about what's next? A potential colleague? Or, do you just have a question about where our offices are located? No matter what, we want to hear from you! Drop us a line and we’ll get in touch ASAP.

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Haven Tech does not sell or share personal information. We also do not use your sensitive personal information for any other purpose except (a) to perform services, (b) to provide the goods reasonably expected by you, (c) to help ensure security and integrity, (d) for short-term transient use, (e) to perform services on our behalf, (f) to undertake activities to verify or maintain the quality or safety of our service, and (e) as authorized under the California Privacy Rights Act.

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