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We help health carriers introduce new individual health products, or enhance their existing new business systems.

Term life carriers and distributors use our technology to deliver policies faster, reduce costs, and enter new distribution channels.

We are part of a unique consortium of industry leaders that helps carriers seize opportunities in the growing LTCI marketplace.

Our eBusiness solutions can make your existing new business process more productive, competitive, and cost effective.

Our flagship product is capable of delivering a policy from application to issue in one customer interaction.

We deliver application verification data online in real time for automated field underwriting and full risk evaluation by underwriters

Review the latest press releases about Realtime and industry articles about our solutions.

Here's a list of where we have presented and will be presenting topics about our technology.

A listing of projects we have completed for our forward-thinking clients.

You can expect our full support, from service level commitments to our responsive Help Desk, when you implement our solution on your servers.

We provide world-class uptime and security when you choose to host your solution in our ASP environment.

Whatever skills you'll require to use and maintain your Realtime system, we provide just the right training and materials to meet your needs.

Realtime is a pioneer in straight through processing with its industry-leading technology

For more information, to request a demo, or for solution literature, please contact us

Our suburban Chicago location is easy to get to from the city and both airports. Click here to download directions

Automate your individual health sales

Realtime provides new business processing solutions that can automate the whole sales process—quote, apply, underwrite, issue—or any part of it for health carriers. This provides, for example, an ideal platform for carriers that want to enhance or add a new individual health product.

Some health carriers start right off with Realtime STP. This is a total, integrated solution delivering such functions as product quoting, electronic applications, electronic signatures (pad, click, voice), reflexive questions, online third-party verification data (MIB, Rx, MVR, credit), workflow rules engines, underwriting decisioning engines, and document management. Since these functions are also available as stand-alone Realtime eBusiness solutions, other carriers opt to implement the system a step at a time, which can help you begin down the path to STP.

Using Realtime solutions allows you to use any and all sales channels to create immediate and sustainable competitive advantage over those still relying on manual, paper-based processing systems. This, combined with processing cost and time savings, makes automating as much of your system as possible a compelling strategy.

A regional health insurer that wanted to expand its individual health business. We created a Realtime eBusiness front end for their new business process, including policy selection, quoting, and an electronic application.#]

To learn more about our solutions for the health insurance industry, please contact us.

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Quick case studies

A midsized health insurer was losing sales to competitors because it didn't have an electronic application web portal for agents. We installed Realtime eApplication to support this distribution channel and to start the carrier down the path toward straight through processing.

A regional group health insurer wanted to increase market share for its individual health product quickly and efficiently. We deployed a turnkey eBusiness solution that brought its new business process system to market on time and on budget. This solution also provides a critical pathway for the future evolution to a full STP system.

Click here to order Realtime product sheets.