Life,Holistic Living: Delivering Superior Customer Experience

New in-house automated underwriting rule engine Developed inhouse automated rule engine to replace existing externally sourced rule engine Benefits 17 DEPENDENCY Complete control- No dependencies on external rule engine service provider Rλ Highly efficient, scalable & reliable КУ API Integration of APIs and third party services to improve decision making Substantial cost saving: License fee, amendment fee and maintenance fee growth Profitable mix distribution Diversified innovation leading Market- insurance Reimagining Quality of management Board and HDFC Life

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