Many new business and underwriting systems are open and configurable, will evaluate application questions and third-party data in real time, and compare results against company-specific underwriting, according to Celent’s “North American New Business And Underwriting Systems: Life, Health, And Annuities ABCD Vendor View.”

In the report, Celent also names the winners of their 2012 XCelent Technology Award, XCelent Functionality Award, and XCelent Customer Base Award, which have been embargoed by request, and are available in the report.

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