Deploy a life insurance claim process where beneficiary identity and the death record are verified digitally, releasing the payout without weeks of physical paperwork. The Civil Registry, DID and VC Ledger, and Escrow and Conditional Settlement modules confirm eligibility from a verifiable credential and a confirmed death record, then settle in a fraction of the usual time.
Turn a weeks-long document verification into a credential-driven, tamper-evident payout.
01.
The DID and VC Ledger lets a beneficiary present a verifiable identity credential the insurer checks cryptographically, removing the manual scrutiny of submitted identity documents.
02.
The Civil Registry anchors a confirmed death record from the issuing authority, so the insurer verifies the event against a trusted source rather than a physical certificate.
03.
The contract matches the credentialed beneficiary against the policy's nominated beneficiary, confirming entitlement before any funds are considered for release.
04.
Escrow and Conditional Settlement holds the sum assured and releases it only when both identity and death checks pass, binding proof and payment into one event.
05.
Because both the beneficiary credential and the death record are cryptographically verified, impersonation and forged-certificate fraud are caught before payout instead of after.
06.
Two further Cerulea Studio modules remove the physical document exchange entirely, collapsing a weeks-long process into a verified digital claim.
Follow a single life claim from a beneficiary's credential presentation to a settled, escrow-backed payout.
11:04:22
[SYS] Initializing Life Claim for policy LP_40219...
11:04:22
[CMD] presentCredential { beneficiary: "DID:cer:9f2a", policy: "LP_40219" }
11:04:23
[AUTH] Verifying VC signature and trusted issuer...
11:04:23
[OK] Beneficiary credential valid. Claim LC_77310 opened.
Cerulea decomposes life claim settlement into modular contracts. Each layer verifies the beneficiary credential, anchors the death record, matches entitlement, and releases escrow without physical paperwork.
Credential-driven life claims is a horizontal capability. Here is how different actors in life insurance put the shared ledger to work.
Verify beneficiary identity and the insured event cryptographically and settle claims in a fraction of the usual time, cutting the weeks of manual document review that delay grieving families.
Key Asset Types
Present a verifiable credential instead of assembling physical proofs, receiving the payout quickly once identity and the death record are confirmed against trusted sources.
Key Asset Types
Issue registrar-signed death records that anchor directly into the claim, letting insurers verify the event without physical certificate exchange or manual authentication.
Key Asset Types
Whether you are bridging a life insurer's policy admin system or capturing a beneficiary's credential from a mobile wallet, Cerulea routes both into one shared claim ledger.
For life insurers on legacy policy administration systems. Existing claim and nomination records are translated into signed on-chain verification requests through the API gateway automatically.
Legacy Policy Admin
Life Insurer System
Cerulea API Gateway
Claim Hashing & Signing
Cerulea Private Chain
Consortium Claim Ledger
For beneficiaries presenting credentials from a phone. A wallet app signs the credential presentation and routes it directly to the claim ledger for verification.
Beneficiary Wallet
Credential Holder
Consortium Validators
Verification Consensus
Cerulea Ledger
Shared Claim Record
Building a life claim network with verifiable-credential checks, anchored death records, and conditional escrow from scratch requires specialised identity engineers and long registry integration cycles. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 11 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects life-insurance identity integration benchmarks. Wiring a policy admin system to civil registries, building verifiable-credential checks, and shipping conditional payout escrow for an average network takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your verification and payout rules into pre-audited WebAssembly binaries and provisions the shared claim ledger and credential layer instantly.