About

Founded in 2016, YuLife is atech-driven financial services brand on a mission to inspire life and turnfinancial products into a force for good. By harnessing the power of technologyand the latest behavioural science, YuLife's insurance model focuses onemployee wellbeing and risk prevention, incentivising healthy daily behaviourto drive positive lifestyle outcomes. YuLife has quickly become a highly valuedemployee benefit, providing the safety net of insurance alongside a highlyengaging wellbeing experience that fosters a healthier, happier and moremotivated team.

The Challenge

YuLife’s underwriting and pricingprocesses relied heavily on Google Sheets, limiting visibility, consistency,and control across the business. Underwriters operated in silos with limitedtransparency, making it difficult to monitor underwriting performance, reviewpricing decisions, and maintain governance across teams.

The manual nature of the process also created operational inefficiencies,increasing the risk of pricing inconsistencies, bottlenecks, and delays indelivering quotes. As YuLife continued to grow, the business needed a scalableand more controlled underwriting platform that could improve visibility,enhance auditability, and support faster, more agile decision-making

The Solution

Optalitix implemented OptalitixQuote, migrating YuLife’s pricing and underwriting models into a securecloud-based platform that centralised workflows, pricing governance, and quotemanagement.

The platform provided underwriting teams and managers with full visibilityacross all quotes being processed through intuitive dashboards and reportingtools. This enabled managers to prioritise business more effectively, monitordeadlines, and review pricing and discount decisions in real time.

Key capabilities included:

Centralised underwriting and pricing workflows
Enhanced visibility and auditability across quotes
Flexible Excel model adjustments for unique underwriting scenarios
API integrations enabling connectivity with CRM, PAS, and document generationsystems
Consistent application of the latest pricing models across teams
Advanced analytics and behavioural insights across quoted business

The implementation was completed in under three months, enabling YuLife torapidly modernise its underwriting operations while maintaining flexibility andspeed

The Impact

Optalitix Quote transformedYuLife’s underwriting operations by improving visibility, governance, andoperational efficiency across the business. Underwriting managers gainedreal-time oversight of quotes, enabling faster decision-making, better prioritisation,and more consistent pricing practices.

The platform also strengthened control and auditability by ensuring the latestpricing models were consistently applied across all underwriting teams,reducing the risks associated with outdated or inconsistent pricing.

Within the last 12 months, the platform supported:

£571m+ quoted premium across YuLife and carrier business
4,600+ quotes processed
39,000+ lives insured
£16.5m+ bound premium

The solution enabled YuLife to move from fragmented spreadsheet-based processesto a scalable, integrated underwriting platform capable of supporting continuedgrowth and operational agility.

The Future

With Optalitix Quote embedded atthe core of its underwriting operations, YuLife now has a scalable digitalplatform capable of supporting future growth, innovation, and productdevelopment.

The flexibility of the platform allows YuLife to rapidly adjust pricing models,manage complex edge cases, and develop new tools through API integrationswithout requiring extensive redevelopment work.

As YuLife continues expanding its insurance and wellbeing offering, thebusiness is well positioned to enhance underwriting automation, deependata-driven insights, and further improve pricing agility and operationalefficiency.

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