Case Brief
Where you areHarbourLife referral desk, Life & Health underwriting queue.
YouA HarbourLife reviewer assigned to cases that need extra checks before an offer is issued.
ApplicantDaniel Lim, age 46, applying for SGD 2,000,000 in term life cover.
AI copilotRecommends: “Accept at standard rates.” Treat this as a lead to verify, not proof.
ManagerMei Chen, your review manager. She needs a short note explaining what you checked and what you recommend.
Time pressureMarcus Tan from Premier Distribution wants an answer today. He is the sales-side contact pressing for speed.
Your callDecide whether to offer now, hold for evidence, or ask for senior and medical review.
Your outputFinal call + safe update to Marcus + short note for Mei.
Case file
Case file: Daniel Lim
AI copilot recommendation
HarbourLife Underwriting Copilot
Proposed action: Accept at standard rates
AI confidence: High
The copilot found no diagnosed cardiac condition requiring rating or postponement and says the financial justification appears within guideline. Treat this as a recommendation to verify, not a decision to accept.
First impression
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