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Build a stronger insurance workflow with ESKA Life

Delivering a superior insurance and investment platform

From qualifying for a loan to securing a family’s future dreams, and aspirations, there are many reasons people come to insurance companies for a life insurance policy. Simultaneously, insurance is a rigorous industry in which sustainable profitability increasingly relies upon powerful technological innovations.

Different parts of the world present varying challenges and risks associated with penetrating new markets and embracing disruptive technologies. But there are always tangible gains to be made by streamlining operations, no matter where the world finds you. By making policies easier for your customers to understand and purchase while simplifying backend processes and strengthening risk assessment, you can bolster your operation’s efficiency and grow your customer base and loyalty.

ESKA® Life is our life insurance management system that invigorates every step of your life-insurance operation, from automating product creation and underwriting processes to handling claims, sales, and investments. As a feature system within the ESKA® Insures insurance management software suite, ESKA Life comes replete with extensive insurance functions and features to ensure you maintain an adaptable and accessible life-insurance enterprise.

With a powerful rules-based engine that calculates your aggregate risk and reinsurance arrangements, ESKA Life provides you a powerful end-to-end platform for driving sustainable growth in a competitive industry.

ESKA Life supports the following functionality features

Product Creation & Underwriting
Takaful insurance support
Comprehensive Sales Network
Personal Profile Manager
Individual & Group Policy Creation
Savings & Investments
Claims Processing
Reinsurance Administration
Reserves & Provisions
Reporting & Analysis

Making life insurance easy

Expanding your insurance capabilities through one digital space

Synthesize innovation and operations faster
Don’t let the ideas of your innovative workforce and a changing world get blockaded by a brittle operations structure. With a flexible digital platform that moves as fast as you do, ESKA Life lets you convert the great ideas of today and tomorrow into tangible fixtures in your daily operations.

Price your products with greater intelligence
Pricing insurance policies that viably attract customers while balancing costs is an endlessly complicated task. ESKA Life calculates information across your actuary tables and underwriting rules to provide you everything from viable product pricing to reserve calculations. Maintaining a financially sound operation just got a lot easier.

Expand your capacity by going paperless
In a paper-based work environment, a single employee may lose hours a day to slow organization. Going paperless dramatically augments the efficiency of your employees and processing capacity while saving you on paper costs and office space.

Minimize the potential for error
By digitizing your organizational upkeep, you are no longer staking your operation’s success on the constant fulfillment of manual tasks prone to error. Let your employees dedicate their focus to their most consequential projects, and leave the busywork to your software.

Sharpen your operating efficiency
Comprehensive reporting and analysis tools enhance the quality of information you collect about your task performance, allowing you to see where you can increase your workflow’s productivity. By simplifying tasks and reallocating capacity, you revitalize the value of every team member and tool for your operations.

Lay the foundation for proactive insurance in the information-age
More insurance companies today are mobilizing digital tools to proactively reduce risk alongside their customers in addition to insuring it. Deploying a digital platform helps you facilitate your customers’ wellbeing, enhance your market presence, and ultimately grow your bottom line – all while keeping costs competitive.

Driving success in the life insurance industry

Transform the way you process insurance

Administer policies with a do-it-all platform

ESKA Life gives you the dynamic infrastructure necessary to running a complete and competitive insurance company. From creating your product portfolio and underwriting process to issuing and maintaining policies, configuring payments, and processing claims.

Orchestrate an effective sales network

Retaining current customers while reaching out to new ones is vital to sustaining organic growth. ESKA Life accelerates your sales processes with straight-through processing (STP), agent portals, and the ESKA Life Illustrator. Together with customizable incentive strategies and sales analysis, ESKA Life helps you connect with your customers with purpose and insight.

Combine insurance and investment products

Open up your investment potential with your insurance revenues and vice-versa by integrating your insurance and investment products within a single platform. Enabling a variety of insurance-based investment products, ESKA Life helps you meet a wider spectrum of market demand.

Calculate solvency requirements

Every insurance enterprise needs a minimum threshold of cash on-hand to service claims and payout. Using the reserve and provisions calculation engines of ESKA Life, you can calculate the risk you insure across every policy and adjust your reserves accordingly, enhancing your financial resilience and consumer confidence.

Reduce risk with co-reinsurance

Limiting your product portfolio to only the risks your reinsurer is willing to cover makes it harder to differentiate yourself from the competition. ESKA Life helps you to split the various risks you cover between multiple reinsurers, so you can package bolder insurance products to your clients and pocket the rewards.

Keep everyone updated

The ESKA Life notification system helps keep everybody on the same page by configuring automated notifications for any and every work process. Real-time processing also ensures that any task you change or accomplish is instantly reflected throughout the whole system.

Automate your approval process

The ESKA Life approval system provides easy-to-use automated tasks, which help you delegate and verify all necessary inputs and approvals for multi-step processes. Altogether, ESKA Life helps you slash the bulk from your workloads without sacrificing control.

Diversify products with Takaful

ESKA Life incorporates the guidelines of Takaful, enabling you to design insurance models spanning Morabaha, Wakalah, and Modaraba concepts. With Takaful, you can build a better-diversified insurance portfolio that attracts more customers and gives back to the community.

Expand market access with Bancassurance

Bancassurance opens the door to a new frontier of possibilities by bringing your insurance products to bank-affiliated customers. ESKA Life empowers you to expand your market reach by building mutually fruitful relationships with banking institutions and the clients they serve. Bancassurance automates and accelerates the process of creating quotations, issuing policies, alterations, and renewals. Customers can additionally file claims information and receive updates on their claim statuses right from their local bank.

Unleash your scaling potential

In tandem with its adaptable digital features, ESKA General gives you the means to manage and distribute your operations according to sub-companies, branches, departments, and sales channels – all while maintaining cohesion and minimizing overhead. Together with consolidated HR, finances, reporting & analysis, and digital marketing, you can scale up your operation with confidence and success.

Maximize system accessibility

ESKA Life supports access portals and mobile apps. Let all your sales professionals fully access the quick policy creation tools of ESKA Life, and help your customers stay up to date with the details of their payments, insurance, and prescriptions.

Powerful Insurance & Investment Operations

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Portfolio Creation

ESKA Life lets you create and customize a comprehensive array of insurance and investment products, and parameters that can be quickly retrieved to build individual and group policies later.

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Takaful

In addition to its conventional capabilities, ESKA Life flexibly enables you to build Takaful-based insurance schemes.

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Advanced Underwriting

Strong underwriting empowers you to assemble customer information and assess risk quickly and confidently. ESKA Life proffers that and more; alongside managing your product portfolio, ESKA Life supports an integrated underwriting process that can instantly assess an applicant’s risk according to the information you plug in.

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Comprehensive Sales Network

Empowered with a stronger operations infrastructure, a streamlined sales force and marketing strategy can help you retain pre-existing customers and bring in new ones. ESKA Life features comprehensive sales network management that enables you to structure, monitor and compensate your entire sales network.

The Integrated Insurance Enterprise

ESKA Life is a standalone Life Insurance Management system that is also part of ESKA® Insures®, ESKADENIA’s end-to-end Insurance Management Software Suite that also contains the following core insurance systems:

Connect with other ESKADENIA systems!

ESKA® General: a comprehensive General Insurance Management SystemESKA® Medical: a comprehensive Medical Insurance Management System ESKA® Travel: a comprehensive Travel Insurance Management System

ESKA Insures provides a fully-integrated package of tailored insurance support systems and functionalities to augment every insurance operation.

Integrate your insurance systems with the rest of the organization

ESKADENIA ensures that your potential grows within a unified operation.ESKADENIA provides an array of complementary software systems, so you can extend the core capabilities of ESKA Life throughout the rest of your company’s operations and customer relationships.

ESKA® Business Manager is our ERP software suite that comprises:

ESKA® Financial, our management software that enables you to track transactions and organize assets and provisions within a unified financial system.

ESKA® HR, our human resources management software that administers all employee needs and personnel activities.

ESKA® CRM, our customer relationship management software that covers sales force automation, marketing management, and customer care.

ESKA® DOCS, our flexible document management system that organizes, stores, digitalizes, and retrieves your entire document library to help you maximize the accessibility of your files and information.

ESKA® Workflow, our work process system that clarifies and automates your workflow processes and procedures.