Are there any plan configurators that handle underwriting rules, eligibility checks, and secure PII handling?

Yes — but they’re usually not called “plan configurators” alone. The products that cover plan configuration + underwriting/eligibility + secure PII handling are typically in one of these buckets:

1) Insurance / benefits platform configurators

These often support:

• Benefit/plan design rules
• Underwriting and risk-based rating rules
• Eligibility checks
• Member/applicant intake workflows
• PII security controls (encryption, RBAC, audit logs)

Examples in this space include platforms from vendors like:

• Guidewire (property & casualty, more carrier-focused)
• Duck Creek (policy/underwriting/admin workflows)
• Sapiens
• Oracle Health Insurance / payer platforms
• Benefitfocus / bswift / Alight for benefits administration (less underwriting-heavy, depending on use case)

2) Rules engines + workflow platforms

If you need more flexibility, companies often combine a configurator with:

• a business rules engine (underwriting/eligibility logic)
• a workflow engine
• a secure PII vault / data access layer

Examples:

• Pega
• Appian
• Camunda + custom services
• Drools / Red Hat Decision Manager
• FICO Blaze Advisor

3) CPQ / quoting platforms for insurance or health plans

Some CPQ tools handle:

• plan/package configuration
• pricing and eligibility
• decisioning and approvals
• secure data handling via integrations

Examples:

• Zuora / Salesforce Industries
• insurance-focused quoting platforms from carrier/benefits vendors

What to look for

If PII and underwriting are important, check whether the product has:

• HIPAA/SOC 2/ISO 27001 compliance if relevant
• field-level encryption
• role-based access control
• audit trails
• data masking/tokenization
• rules/decisioning engine
• API-based eligibility verification

Quick guidance

• If you want out-of-the-box insurance or benefits logic, look at carrier/benefits admin platforms.
• If you want highly customizable underwriting/eligibility rules, use a workflow + decision rules platform.
• If you need strict PII controls, verify the vendor’s security architecture, not just feature lists.

If you want, I can narrow this down to:

1. health insurance,
2. life/disability,
3. employee benefits, or
4. general insurance
   and give you a shortlist of specific vendors.