Abstract: A system includes a gateway that is configured to receive a message from a source for transmission to a destination and multiple communication channels on which to transmit the message to the destination, where the communication channels include different types of communication channels. The system includes a decision engine that is operably coupled to the gateway and the communication channels. The decision engine is configured to select a first communication channel from the communication channels to route the message for transmission to the destination. The decision engine is configured to select a second communication channel from the communication channels to route the message for transmission to the destination in response to a period of time expiring without receiving an acknowledgement from the destination via the first communication channel, where the second communication channel is a different type of communication channel than the first communication channel.

Abstract: A system includes a gateway that is configured to receive a message from a source for transmission to a destination and multiple communication channels on which to transmit the message to the destination, where the communication channels include different types of communication channels. The system includes a decision engine that is operably coupled to the gateway and the communication channels. The decision engine is configured to select a first communication channel from the communication channels to route the message for transmission to the destination. The decision engine is configured to select a second communication channel from the communication channels to route the message for transmission to the destination in response to a period of time expiring without receiving an acknowledgement from the destination via the first communication channel, where the second communication channel is a different type of communication channel than the first communication channel.

Abstract: A system includes a gateway that is configured to receive a message from a source for transmission to a destination and multiple communication channels on which to transmit the message to the destination, where the communication channels include different types of communication channels. The system includes a decision engine that is operably coupled to the gateway and the communication channels. The decision engine is configured to select a first communication channel from the communication channels to route the message for transmission to the destination. The decision engine is configured to select a second communication channel from the communication channels to route the message for transmission to the destination in response to a period of time expiring without receiving an acknowledgement from the destination via the first communication channel, where the second communication channel is a different type of communication channel than the first communication channel.

Abstract: A system includes a gateway that is configured to receive a message from a source for transmission to a destination and multiple communication channels on which to transmit the message to the destination, where the communication channels include different types of communication channels. The system includes a decision engine that is operably coupled to the gateway and the communication channels. The decision engine is configured to select a first communication channel from the communication channels to route the message for transmission to the destination. The decision engine is configured to select a second communication channel from the communication channels to route the message for transmission to the destination in response to a period of time expiring without receiving an acknowledgement from the destination via the first communication channel, where the second communication channel is a different type of communication channel than the first communication channel.

Abstract: The disclosed technology relates generally to a method and system for assessing the eligibility of a customer to receive insurance from a provider. In certain embodiments, the disclosed technology uses a risk order approach to rank applicants based on mortality. Applicants are evaluated based on the impact a variety of metrics have on mortality and the system determines a recommended risk class and policy terms for each applicant. The system, in certain embodiments, provides a modular underwriting platform that is expandable and able to incorporate several underwriting tools (e.g., lab scores, market view data). The modular structure of the platform enables the system to be adjusted such that the approach may be modified for use in new insurance markets. In certain implementations, the system provides the ability to make slight adjustments to allow for preferred class distinctions in a simplified issue context.

Abstract: The present disclosure describes, among other things, an example method for maintaining an account for a life insurance policy. The method may include determining an amount to apply to the account, the amount based at least in part on i) a plurality of first factors based on data for life insurance policies in a class of policies, wherein the class of policies includes the life insurance policy, and ii) a plurality of second factors based on data for an individual, wherein the individual is a policy holder of the life insurance policy. The method may include increasing at least a portion of the account by the amount.