Beneficiaries
screened never
The named party changes and nobody re-runs the check.
By industry
AML for insurers and intermediaries
Risk lives in the policy lifecycle, not the transaction stream — at underwriting, at beneficiary change, and at surrender.
What you switch on
What an insurer switches on first
Parties first, then the events that change them.
Why this matters here
The money launders at surrender, not at signature.
A life policy taken out cleanly can be assigned, have its beneficiary changed, and be surrendered early — three events most programmes never screen. Meanwhile the broker who sold it was checked once, years ago.
Brokers
checked once at appointment
An intermediary network is a counterparty base nobody monitors.
Early surrender
the classic red flag
Detectable in the policy system, invisible to the AML tool.
3
Lifecycle trigger points
100%
Beneficiaries in scope
15 min
Rescreening interval
−61%
Broker onboarding time
Journey · Over time
Scroll to advance
A customer through your funnel
-
Step 01
Underwriting
Policyholder, payer and proposed beneficiary all screened, not just the applicant.
-
Step 02
The broker network
Intermediaries resolved and monitored as counterparties in their own right.
-
Step 03
Lifecycle events
Assignment, beneficiary change and premium source changes each re-trigger the check.
-
Step 04
Surrender and payout
The payout decision carries the full history of who was checked, and when.
complead / policy / underwriting
- Policies today1,240
- Parties screened3,102
- Median148 ms
complead / intermediaries
- Brokers in scope2,884
- PEP-linked31
- Reviewed this month2,884
complead / policy / events
- Beneficiary changes96
- Rescreened96
- Alerts raised3
complead / cases / payout
- Payouts held2
- Reasonearly surrender + PEP
- Evidence packready
Underwrite
Brokers
Events
Payout
What you answer to
Where insurance obligations differ
Life and investment products are in scope in every major regime; general insurance often is not. The distinction has to be in your risk assessment, not in your habits.
Read the compliance guides
National supervisor
Risk assessment covering product lines
Annual
EU AMLD
Beneficiary identification before payout
Per policy
FIU
Reporting on suspicion
On detection
Internal audit
Intermediary oversight evidence
Per cycle
Case study · Insurance
Read the case study
A life insurer put beneficiaries in scope for the first time
Screening ran at underwriting and nowhere else. Adding beneficiary and assignment events cost one integration and surfaced three cases in the first quarter that the old model could not have seen.
3
New trigger points
−61%
Broker onboarding time
2 weeks
To live
Cross-family links
Where teams like yours go next
FAQ
Before you ask us
Is general insurance in scope?
Usually not, but the exclusion belongs in your documented risk assessment rather than in practice alone.
Can we screen brokers as counterparties?
Yes. Intermediaries are resolved and monitored exactly like customers, including PEP and adverse media.
What triggers a rescreen?
Beneficiary change, assignment, premium source change and surrender — configurable per product line.
Does this touch our policy admin system?
Only as an event feed. Nothing about the policy record has to move.
Screen a policy the way it actually behaves
Bring one life product with its lifecycle events. We will show you where the current checks stop.
3,000+
Data sources checked
220+
Countries covered
15 min
Always real-time data