# s360

> Life underwriting workbench for insurers and reinsurers

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | LATAM |
| Headquarters | Sao Paulo, Brazil |
| Founded | 2022 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Bootstrapped |

## Overview

s.360 is a B2B SaaS life underwriting workbench for carriers and reinsurers, developed by Samplemed -- a Brazilian company with over 35 years of experience in life insurance risk analysis. The platform consolidates multiple underwriting tools into a single modular system, covering the full life underwriting workflow from dynamic questionnaires and automated decision rules to case journey management and portfolio analytics.

Delivered as a cloud-agnostic, API-first, multi-tenant SaaS platform built on Python and Vue.js 3, s.360 integrates with third-party data sources and partner systems through REST APIs. Key capabilities include an interactive underwriting reference manual with more than 10,000 pre-automated decision rules, data science-based predictive risk models, camera-based clinical screening (facial analysis), and an AI assistant for medical underwriting support. The platform supports multilingual operations in English, Spanish, and Portuguese and holds ISO 27001:2022, ISO 27701, and ISO 9001 certifications.

The platform launched commercially in 2022 and operates across six or more countries in the Americas and Europe. Customers include major Brazilian insurers such as CAIXA Vida, ICATU, and Centauro-On, as well as reinsurers like Austral RE. The company received the Insurtech of the Year -- Underwriting Excellence Award at the 2024 Swiss InsurTech Summit and was named a Top 100 Insurtech in Europe by ITC Europe in March 2025.

## Products & services

### s\.360 Core Workbench

A modular underwriting workbench that centralizes and automates the complete life underwriting workflow. Supports case flow control, multiple risk analysis channels, health and lifestyle risk assessment, and dynamic questionnaire management.

**Key features:**

- Flexible case flow configuration
- Dynamic questionnaire engine
- Multi\-channel risk analysis
- Case journey management dashboard

*Target users:* Life insurance carriers and reinsurers

### Life Underwriting Manual

An interactive underwriting reference manual updated with new medical and clinical information. Contains more than 10,000 pre-automated underwriting decision rules and catalogs over 500 medical risks, differentiating 64 distinct clinical cases for diabetes alone using proprietary web semantics technology.

**Key features:**

- 10,000\+ pre\-automated decision rules
- 500\+ cataloged medical risk conditions
- Daily content updates with new clinical data
- Proprietary web semantics classification engine

*Target users:* Underwriters, medical officers

### Automated Underwriting Engine

A rules-based engine that processes underwriting cases in minutes rather than days. Demonstrated results include reducing average underwriting time from 14 days to 48 hours for a reinsurance customer.

**Key features:**

- Rules\-based decision automation
- Configurable underwriting guidelines
- STP \(straight\-through processing\) support
- Accelerated underwriting pathway for eligible applicants

*Target users:* Life insurance carriers and reinsurers

### Predictive Models

Data science-based predictive risk models developed by PhD researchers, doctors, and health professionals. Supports improved risk classification and pricing decisions.

**Key features:**

- PhD\-backed actuarial and clinical methodology
- Risk classification scoring
- Portfolio pricing insights
- Integration with core workbench workflow

*Target users:* Actuaries, underwriters, risk officers

### Facial Analysis Underwriting

Camera-based clinical screening that generates more than 10 health indicators in under one minute. Launched September 2025.

**Key features:**

- 10\+ health indicators from video capture
- Sub\-minute screening time
- Non\-invasive clinical data collection
- Integration with underwriting case workflow

*Target users:* Life insurance carriers

### VIDA \-\- AI Virtual Assistant

An AI-powered assistant for life underwriting, described as the first of its kind from Brazil. Launched March 2025, it supports underwriters in medical decision-making and streamlines case processing.

**Key features:**

- AI\-assisted medical underwriting guidance
- Natural language query interface
- Workflow automation suggestions
- Integration with the underwriting workbench

*Target users:* Underwriters, medical staff

### BI Dashboards

Business intelligence and analytics dashboards providing visibility into underwriting performance, portfolio trends, and case metrics.

**Key features:**

- Portfolio performance tracking
- Case volume and throughput analytics
- Underwriting outcome reporting
- Trend analysis

*Target users:* Operations managers, actuaries

### A/E Experience Studies

Actuarial experience study tools for portfolio analysis and modeling.

**Key features:**

- Actual\-to\-expected ratio analysis
- Portfolio mortality and morbidity studies
- Actuarial reporting outputs

*Target users:* Actuaries

### Life Data Lake

A centralized data repository for life insurance underwriting data, supporting analytics and reporting across the underwriting lifecycle.

**Key features:**

- Centralized data ingestion
- Cross\-portfolio analytics
- Data governance and access controls

*Target users:* Data teams, actuaries

## Category & focus

- Subcategories: Automated Underwriting, Underwriting Workbench, Life Underwriting, Predictive Risk Models
- Insurance verticals: Life & Annuity, Reinsurance
- Target customers: Carriers, Reinsurers

## Notable customers

- CAIXA Vida
- Centauro\-On / Constellation Group
- ICATU
- Austral RE

## Links

- Website: <https://www.s360.life/>
- Directory profile: <https://insurtechlist.com/companies/s360/>
- Blog: <https://www.s360.life/insights>
- Linkedin: <https://www.linkedin.com/company/samplemed>

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*Last updated: 2026\-06\-05*