The eINFORM Platform changes the process and speed in which lifeinsurance applications are completed and underwriting requirementsgathered, providing straight-through processing for the life insurance industry.eINFORM integrates with industry-specific systems and workflowsthat span multiple carrier and distribution channel requirements for receipt of orders andelectronic delivery of a complete underwriting package.

IGO Exam, an offering within the eINFORM Platform, changes theway paramedical exams have been traditionally conducted. IGO Examcollects applicant medical information through a centralized,technology-driven application team that completes a short interviewwith the applicant using EMSI's proprietary scripting methodology.At the interview conclusion, the application specialist obtains anelectronic signature and schedules the onsite physical exam usingEMSI's Web-based scheduling tool, ScheduleEZ.

This single point of telephonic contact with the applicantshortens processing cycle times, reduces manual errors, creates anaudit trail for regulatory compliance with a recorded transcript,and shortens the onsite physical exam to approximately 20minutes.

"We have a deep understanding of the need for streamlinedapplication processing, complete end-to-end information collectionand integrated solutions across all touch points," says Chad Gross,EMSI's COO, Insurance Services Division and CIO. "From obtaining anobjective applicant interview to the electronic delivery of acomprehensive underwriting package, we are providing our customerswith faster and more accurate transactions for improved policyissuance rates, while still containing costs. Customers that areusing our eINFORM Platform are experiencing up to a 32 percentreduction in cycle time."