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s360

Life underwriting workbench for insurers and reinsurers

Underwriting & Risk Growth Bootstrapped
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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

At a Glance

Founded
2022
Headquarters
Sao Paulo, Brazil
Employees
51-200
Funding
Bootstrapped

Category & Focus

Category
Underwriting & Risk
Subcategories
Automated Underwriting Underwriting Workbench Life Underwriting Predictive Risk Models
Insurance Verticals
Life & Annuity Reinsurance
Target Customers
Carriers, Reinsurers

Customers

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

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Last updated: 2026-06-05