Aura Next

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

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

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.