Merica-US™ is not simply an underwriting engine or a rules based system, it is a complete new business process because it can support a variety of product types and configurations while still using a common underwriting method. Some aspects of the Merica-US™ process are very flexible such as application design, product configuration and workflow, while other aspects such as reflexive questions regarding medical conditions, avocations, and occupations are less flexible.

Merica-US™ clients benefit from HLR’s consultative approach. Whether new to the idea of a Straight Through Process, or bringing automated underwriting an existing front end solution, the Merica-US™ Team is available to direct the project and offer our global experience.