20 Years. 8 Markets. One Mission.
Intelligent Life was founded in New Zealand in 2007 with a single, bold idea: that applying for life insurance should be instant, intelligent, and entirely digital. We built the world's first software capable of issuing a real-time, fully underwritten life insurance policy online — no paper, no underwriter in the loop, no waiting days for a decision.
From that first launch in New Zealand, Intelligent Life rolled out iUnderwrite across Australia, South Africa, the United States, China, Malaysia, Singapore, and Hong Kong. Each new market brought new product types, new regulatory environments, and new distribution models — all of which are now deeply embedded in the platform's architecture. Where we once supported life cover, we now automate health, trauma, income protection, and business insurance across direct, adviser, telesales, and bancassurance channels.
Our leadership team brings over 110 combined years of insurance and IT experience. Every iUnderwrite decision — from rule taxonomy to workbench layout — is shaped by people who have spent careers underwriting, pricing, and selling life cover.
Today iUnderwrite is a fully cloud-native SaaS platform, deployed on AWS and available globally. It is backed by rules developed in partnership with a global reinsurance group and has been recognised with multiple industry awards for technology innovation.
Our mission has never changed: to make life and health insurance faster to buy, easier to sell, and simpler to underwrite.
Recognised with awards from the Interactive Media Awards (IMA, New York), Insurance Networking News (INN, Chicago), WriteMark Plain Language, and the prestigious Webby Award — honouring excellence in technology and digital insurance innovation.
Underwriting rule sets developed and maintained in partnership with world leading global reinsurer, providing actuarially sound, defensible decisions across all supported cover types and markets.
