Aura Next: Pricing, Free Demo & Features

Last Updated Jul 23, 2026

Overview

Aura Next offers an automated underwriting platform that processes insurance applications using rules, electronic health data, and interview responses. While performance may depend on the quality of input application data, it supports insurers handling high application volumes by enabling faster decisions at the point of sale.

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Starting Price

Custom

Aura Next Specifications

Underwriting Management
Risk Assessment And Analysis
Compliance Management
Workflow Automation
Reporting And Analytics
AI-Powered Risk Analysis
Policy Management
Claims Management
Quote Management
Premium Billing Management

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What Is Aura Next?

Aura Next, by RGA, is a cloud-based automated underwriting solution built for life and health insurers of different sizes. It addresses slow, manual application processing by producing point-of-sale decisions based on underwriting rules. The software uses reflexive interview questions to assess applicant risk during the application flow. A self-service rules module allows business teams to update underwriting rules and interview logic without depending on IT teams for each change.

What Is Aura Next Best For?

Aura Next is best known for its multivariate, real-time risk processing for life and health insurers. It is particularly known for its ability to process multiple data inputs, including health records, behavioral data, and predictive models, to support instant decisions at the point of sale. The platform is a strong fit for insurers managing high application volumes or distributing across multiple channels, where consolidating risk assessment in one place reduces processing time.

How Much Does Aura Next Cost?

Aura Next pricing is generally estimated to range from $20,000 to $120,000/month based on typical costs seen in enterprise automated underwriting systems. This range is meant for general budgeting purposes. The final cost can vary depending on factors such as insurer size, application volume, and the level of customization needed in underwriting rules.

In addition to the base subscription costs, organizations should account for the following expenses:

Implementation: Usually priced between $250,000–$2,000,000 (one-time), covering system setup, underwriting workflow design, and aligning insurance processes with existing operations
Data Migration: Commonly priced in the range of $50,000–$600,000 (one-time), depending on the volume and complexity of moving legacy policy, claims, and underwriting data into structured formats
Training And Onboarding: Typically falls around $15,000–$250,000 (one-time), covering training sessions for underwriters, administrators, and distribution teams as they learn the system
Integrations: Often comes in between $100,000–$1,200,000 (one-time), depending on how many external systems, data providers, and medical or identity databases need to be connected
Customization And Configuration: Generally set between $150,000–$2,000,000 (one-time), based on how much underwriting rules, decision logic, and workflows need to be adjusted
Premium Support: Commonly falls between $10,000–$120,000/month, depending on the level of support, monitoring, and system updates required
Infrastructure/Hosting: Typically falls in the range of $5,000–$80,000/month, depending on cloud usage, compute needs, and data processing requirements

For accurate pricing based on your organization’s needs, it’s recommended to request a custom Aura Next price estimate.

Disclaimer: Pricing references are based on publicly available third-party information and industry benchmarks. Actual costs may vary.

Aura Next Integrations

The vendor has not listed any available third-party integrations for this software.

How Does Aura Next Work?

Log in to your Aura Next software account to access the underwriting platform and follow the given steps to manage insurance application processing through its core workflows:

Set up application intake flows to collect applicant details from agents, call centers, or direct digital submissions
Configure underwriting rules and reflexive interview questions to define how applicant responses are gathered and assessed during the process
Submit application data along with electronic health records and other external evidence used in risk evaluation
Run automated underwriting checks using rule-based logic to assess applicant information at the point of sale
Review decision results generated by the system to see approvals or cases that need further review by underwriting teams
Update underwriting rules and interview logic through the self-service setup to reflect changing underwriting requirements and business needs

You can also schedule a free Aura Next demo to explore its full functionalities.

Who Is Aura Next For?

Aura Next is suitable for organizations and operational teams involved in insurance underwriting and distribution, including:

Life insurance carriers
Health insurance carriers
Insurance call center teams
Managing general agents

Aura Next Use Cases

Based on our analysis of Aura Next’s current capabilities, we have identified key scenarios where this software is a good fit for life and health insurance operations:

Insurers Moving Away From Manual Underwriting Workflows

Life and health insurers still relying on paper-based or manually reviewed applications face processing delays that slow policy issuance and create backlogs for underwriting teams. Aura Next may be a suitable fit for mid-sized insurers that have outgrown manual workflows but have not yet moved to a fully automated system.

Underwriting And Product Teams Managing Rule Changes Without IT Involvement

Updating underwriting rules or interview logic in many insurance organizations requires IT involvement, which slows down the ability to respond to regulatory changes or new product requirements. Aura Next may be worth considering for underwriting and product teams that need direct control over rule management. They can adjust interview logic and push changes to production through a self-service module without waiting on development cycles.

Insurers Incorporating Third-Party Health Data Into Real-Time Decisioning

Some life and health insurers need to pull electronic health records and predictive model outputs into their underwriting process but lack the infrastructure to do so in a structured way. Aura Next supports workflows where this external data feeds directly into the decisioning engine during the application interview. This gives underwriting teams a fuller picture of applicant risk without requiring manual data gathering or separate review steps.

Multi-Channel Distribution Operations Requiring Consistent Underwriting Standards

Insurance organizations distributing products through financial advisors, call centers, and digital platforms at the same time can struggle to maintain uniform underwriting standards. Aura Next could be relevant for operations teams that need a single decisioning engine applied consistently regardless of where an application originates.

Digital Insurers Managing High-Volume Application Flows

Insurers selling directly to consumers through digital channels need underwriting decisions that keep up with online application volumes, as delays can lead to application drop-off before policy issuance. Aura Next may suit insurers in this position, since it delivers a decision within the application flow in real time.

Is Aura Next Right For You?

If you are a life or health insurer handling high-volume underwriting, Aura Next could be a strong fit. It uses reflexive interview logic to assess applicant risk in real time through adaptive questioning during the application process. The platform is SOC 2 Type II compliant, supporting secure handling of sensitive data in regulated environments. Trusted by clients like Zurich, it suits insurers managing structured underwriting at scale with consistent decisioning across distribution channels.

Still unsure about Aura Next? Connect with us at (661) 384-7070 for further guidance.

Aura Next Features

Reflexive Interview Engine

Aura Next presents interview questions that change based on how an applicant responds. Each answer feeds into the system's logic to determine what question comes next, rather than following a fixed sequence. The interview path is conditional, meaning different applicants move through different question sets depending on the information they provide.

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Rules-Based Underwriting Decisioning

Organizations configure underwriting rules within Aura Next, and the system applies those rules to evaluate each application against defined eligibility criteria. Decision logic is tied to structured rule sets that can be set up by risk category and policy type. Each application is processed against these criteria in the same way, following the parameters the organization has defined.

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Multivariate Risk Processing

In the evaluation stage, Aura Next processes multiple applicant data points at the same time, including health information, behavioral inputs, and external evidence sources. The system reviews these variables collectively within the underwriting flow to support structured risk assessment.

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Self-Service Rules Configuration

The platform includes a configuration interface where business users can create and modify underwriting rules and interview logic. Adjustments to decision criteria or question structures are made directly within the platform. No development work is required to apply these changes, and the business team can deploy updates directly to the live environment.

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Pros And Cons of Aura Next

A quick look at Aura Next's strengths and weaknesses to
help you decide if it's the right fit

Pros

Supports more structured and reliable risk evaluation
Helps applications move through review more quickly
Keeps underwriting decisions consistent across all channels
Supports smoother applicant interviews with adaptive questioning
Reduces manual effort in gathering medical information

Cons

Depends on quality of external data sources
Initial setup can involve complex workflow configuration
Customer support response times may vary

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Frequently Asked Questions

Quick answers to common questions to help you better understand the product, features, and services.

What types of pricing plans does Aura Next offer?

Aura Next pricing is estimated at $20,000–$120,000/month. Get a detailed Aura Next cost breakdown to make an informed decision.

What other apps does Aura Next integrate with?

Information about third-party integrations has not been specified by the vendor.

What level of support does Aura Next offer?

Aura Next offers support via an online contact form and a dedicated knowledge center.

What language does Aura Next support?

Aura Next software primarily supports English.

Does Aura Next have a mobile app?

No, Aura Next does not offer a dedicated mobile app.

Who are the typical users of Aura Next?

Aura Next features are used by life insurance carriers, health insurance providers, insurance underwriting teams, call center underwriting agents, and managing general agents involved in application processing and risk evaluation workflows.

Does Aura Next offer an API?

Information about an API is currently unspecified by the vendor.