intive delivers RL360°’s revolutionary digital technology

RL360° is a well-established life assurance provider, based in the Isle of Man. The company was keen to transform its paper-based sales process by embracing digital innovation to reduce the time it takes to prepare and submit new business. In 2015, RL360° partnered with intive to develop an online desktop application and tablet app for their flagship regular premium savings product Quantum.

RL360° had a clear vision to improve business efficiency through digital innovation and greater process automation. The primary aims were to speed up the sales process while cutting down the operational costs for the independent sales advisers selling RL360°’s products. RL360° wanted to embrace new digital technologies such as on-screen signatures, electronic forms, document capture, and straight-through processing.

RL360° provides a range of products but it's regular savings product Quantum was chosen as the first product to be made available online and via the tablet app. A dedicated intive “Scrum” team, joined by RL360°’s in-house dev team, divided the project into two stages: 1)development of an online application process; 2)tablet app for both Apple and Android users for offline completion of applications, document capturing, and onscreen signatures.

To speed up development, the project team decided to apply an innovative Microsoft technology called XAMARIN, available at that point only in a prototype Beta version. This unique cross-platform development tool simplifies mobile app creation by allowing developers to build iOS, Android, and Windows with the use of one single C# code that can be then shared across all three mobile platforms.

The Quantum tablet app boasts a set of sales support features including on-screen signatures, dynamic language change (English, Spanish), the ability to add images captured on the tablet’s camera, certified on screen or selected from the library. The app allows the user to copy duplicate information across the sections and filter and select fund choices. It features multilevel encryption to meet RL360°’s strict data protection requirements.

The online version of the Quantum application form was released in early 2016 and now around one-third of all RL360°’s Quantum applications are submitted this way. Applications submitted this way are mostly issued within one to two working days. This is five times faster when compared to the traditional paper-based application process.