Using their auto-underwriting software, individuals can complete a digital insurance application in minutes and be offered competitively-priced, fully-underwritten insurance cover, online, with no medical exam or paper required. Their software also powers ‘point-of-sale’ solutions for insurance agents, helping them sell insurance products quickly and effectively. Intelligent Life's auto-underwriting rules engine can be quickly and easily configured to auto-decision life, critical illness, disability, income protection, and health products to meet the specific needs and underwriting philosophy of any insurer. They operate in Australia, New Zealand, Malaysia, Singapore, China, Hong Kong, South Africa, and the USA.