Sharpr for Life Insurance

You will pay claims in 2065 on decisions made this quarter. The consumer research, the mortality assumptions, the distribution strategy, and the product design behind those decisions deserve to outlive the people who did the work.

They almost never do. The segmentation study is on a shared drive nobody indexes. The competitive product analysis is in an actuary's inbox. The advisor research that explained why a channel underperformed got compressed into three slides and the rest evaporated. We have run enough implementations at carriers to say this with some confidence: the industry with the longest product horizon has one of the shortest institutional memories.

Sharpr is where that knowledge goes instead. One secure hub, searchable for as long as the business needs it, built specifically for knowledge management rather than adapted from a document store.

What carriers tell us on the first call

Experience is retiring. Your underwriting and actuarial benches skew senior. When a thirty year veteran leaves, the reasoning behind a rating practice or a product design choice often goes too. What documentation exists is scattered across email, personal folders, and committee decks from 2017.

Distribution intelligence disperses on contact. What your field agents, IMOs, and BGAs say about your products, your illustrations, and your competitors is some of the most valuable information you own. It arrives through wholesalers, advisory councils, surveys, and conference conversations, then dissolves into trip reports.

Competitor tracking depends on one person. Product launches, rider changes, illustration assumptions, rate actions across dozens of carriers. Somebody maintains a spreadsheet. That somebody eventually changes jobs, and so does the spreadsheet.

You buy the same research twice. Carriers with separate life, annuity, worksite, and group units routinely fund overlapping consumer studies in the same year, because no unit can see what the others commissioned.

Regulatory context takes a day to assemble. State requirements, NAIC model law developments, filing history. Needed constantly, stored inconsistently, retrieved by asking a colleague who has been there a while.

How we handle each of those

Everything the business learns, in one place

Sharpr ingests content from wherever it comes from and processes, categorizes, and connects it automatically. Syndicated industry research, consultant deliverables, internal consumer studies, advisor surveys, call center analysis, claims trend reviews, recorded focus groups. All of it lands with intelligent tags and AI summaries rather than in a folder called Q3_Final.

Sharp It matters more here than people expect. It is a browser bookmarklet. Drag it to your bookmarks bar and any web page goes into your hub in one click with the source URL intact. Competitor product pages, state bulletins, trade press, carrier announcements. Your competitive tracking stops being a list of links that rots.

Ask the question you would ask a colleague

Our GenAI search takes plain language. A product manager can ask what the research says about consumer objections to indexed universal life. An actuary can ask what studies exist on lapse behavior in the simplified issue block. A marketer can ask what advisors said about the last illustration redesign.

In a business where the useful answer might sit in a 2019 study, a 2023 advisory council transcript, and a consultant deck from March, search that reads across formats is the difference between an answer and a shrug.

Push insight at people who will never log in

Wholesalers, regional sales leaders, underwriting managers, and executives are not going to browse a library. We stopped pretending otherwise a long time ago. Our briefs, newsletters, and alerts deliver what is relevant to each group on a schedule that fits how they work.

What carriers run today:

• A weekly competitive brief to product and pricing, covering new filings, rider launches, and rate changes captured during the week.
• A monthly distribution newsletter to wholesalers, summarizing what advisors are saying and which objections are rising.
• Alerts to compliance and legal when new content lands on a watched regulatory topic.
• A quarterly brief to the executive committee pulling the consumer research that bears on the strategic plan.

Keep the reasoning behind the file

Because we connect related content and keep it searchable long term, the trail behind a decision stays intact. When a product committee revisits a design three years on, the original consumer testing, the competitive scan, the actuarial memo, and the distribution feedback come back together. A new hire can reconstruct the logic without booking meetings with people who may no longer work there.

Prove what your research is worth

Our analytics show which reports get used, by which teams, how often. Research leaders use it to defend budgets with evidence instead of anecdote. Procurement uses it at renewal, because a subscription nobody opens is an easy cut and one that forty people rely on is an easy yes.

Four situations you will recognize

Launching an accumulation IUL. The product team opens a hub for the project: consumer research on retirement income anxiety, advisor interviews on illustration credibility, competitor product summaries captured through Sharp It, pricing committee materials, compliance notes. Three years later, when performance diverges from plan, the post-mortem takes days instead of a quarter.

Fixing a channel before commissioning a study. Independent channel sales soften. Rather than buying new research, the distribution team searches and finds an advisor satisfaction survey from last year, a set of BGA interviews, and a competitor comparison that all point at underwriting turnaround times. The answer was already paid for.

Onboarding an underwriter. A hub built for underwriting onboarding carries reference material, historical rationale for key practices, mortality studies, and recorded training. Time to productivity drops and your training team stops answering the same question one person at a time.

Annual planning. The strategy team builds the planning pre-read from material already in the hub, with AI summaries condensing forty sources into twelve pages. It goes out by scheduled newsletter two weeks ahead, and engagement analytics tell you who has read it before anyone walks into the room.

Who ends up using it

We usually enter through one team and spread. Where the value lands:

Market and consumer insights own the hub and get back the hours they currently spend as a retrieval service.

Product and pricing search during development and live off the competitive brief.

Distribution and field marketing consume advisor and broker feedback, and push material out to wholesalers.

Underwriting uses historical rationale and mortality material, especially for onboarding.

Actuarial searches experience studies instead of reconstructing them.

Compliance and government affairs run alerts on watched topics and use the platform as a retrievable record.

The executive office receives scheduled briefs and checks whether leadership is reading them.

Pricing is user-based and scales with enterprise options, so starting with one function and expanding is normal rather than a workaround.

What we are not

We are not a policy administration system, an illustration engine, or a CRM. We do not touch your book of business or your policyholder data, and we are not trying to.

We are also not a general purpose file store. If what you want is somewhere cheap to put documents, SharePoint already exists and it is probably included in your Microsoft agreement. We are for the case where the documents need to be found, understood, and delivered to people who would never go looking.

The security section your vendor review will ask for

You will run us through a thorough third party assessment. Here is the short version so you can get started.

GDPR compliant. ISO 27001 compliant. SOC 2 aligned cloud infrastructure. Enterprise data processing agreements available.

SSO through ADFS, Okta, SAML 2.0, or Google Workspace, plus custom SSO through our API and configurable password policies. SCIM 2.0 provisioning with Okta, Azure AD and others. Role-based access across hubs and individual content. Bulk import, lifecycle, and offboarding workflows, so access is removed cleanly when someone leaves.

AES-256 at rest, TLS 1.3 in transit, logical tenant isolation, encrypted backups, protected key material, DDoS protection, redundant servers, annual disaster recovery testing, and 24/7 monitoring with incident response.

Role-based hubs also solve a practical carrier problem. What belongs in an internal pricing discussion does not belong in a wholesaler hub, and you should not need two systems to enforce that.

Moving off whatever you use now

SharePoint, a legacy insights portal, a shared drive, or all three at once. We migrate it free of charge: content, structure, users, permissions, archives. Our team maps what you have and organizes it as it lands, so your first week is useful rather than a cleanup project. Training is built for your specific groups, because what a wholesaler needs to learn and what an actuary needs to learn are not the same thing.

Bring us a question you could not answer

The fastest way to evaluate this is to take a real question your team struggled with last quarter and see what we return. Request a demo and bring it with you.