Paramedical Solution Providers




Employee Pooling Underwriting Toolbox and Services


Employee Pooling’s Underwriting tool box includes APS Summary & QuickQuote, Risk Identifier, APS Retrieval, Electronic Health Records (EHR) and Life Underwriters available as a resource.  Accelerated process for Informals and quick offers on Rated Cases.



Accelerated Underwriting and the Evolution of the Art and Science of Underwriting


Please join the Life Brokerage Technology Committee as we host Brad Gabel, Chief Underwriter at Protective Life Insurance Company for a discussion on Accelerated Underwriting and the evolution of the art and science of Underwriting. December 5, 2019


Underwriting Tools and Services


eXtract Plus– Medical Underwriting Tool


The Insurance Industry has been focused on acceleration and automation of the underwriting process by negating the need in ordering exam requirements and medical records for certain segments of applications.  What hasn’t been addressed, until now, is the need to create efficiencies for Underwriters who are working on applications which require a higher level of review.  The need for medical records is not going away and the process of reviewing 100s of pages of records is time-consuming and incredibly onerous.

eXtract+ uses Data Abstraction along with Machine Learning, Artificial Intelligence, Cognitive Computing and Predictive Analytics to create meaningful Data Clusters from medical records allowing what could take hours in review time, shortening to as little as 10-15 minutes.

It not only makes the Underwriter’s life significantly easier by simplifying the process but also minimizes human labor and human error, allowing for greater efficiency and accuracy.

eXtract Plus Underwriting Simplified


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Improving Risk Selection is a goal of all insurers and agencies. eValuate supports carrier-specific underwriting rules including multiple impairments, co-morbidities, debits and credits, temporary flat extras and other ‘secret-sauce’. It provides Agency workflow and the ability to review and quote multiple Carriers, including specific underwriting guidelines and impairment parameters!





Resonant® Field Underwriting is a tool that helps you accurately set customer expectations at the beginning of the sale process. On-demand field underwriting returns a health class rating or range based on published and unpublished carrier rules, and gives you immediate, automated responses to almost all of your quick quotes. Multi-carrier results are generated instantly with table/health class and price range, and you can manage multiple impairment cases seamlessly.



Accelerated Underwriting


What Is Accelerated Underwriting?


Trends point to an accelerated future for risk selection. Learn about Accelerated Underwriting by viewing or downloading the document written by Reinsurance Group of America,Inc. (RGA). Click on the button below:


exam one

Health PicQture Data Insights Brought to Life


HealthPiQture, by ExamOne, is a highly flexible platform that allows you to make quick and confident decisions. Through HealthPiQture, insurers receive access to our extensive data sources. From a snapshot of an applicant’s past health, to a view of their current health, HealthPiQture combines health and behavioral insights for insurers. 



Predictive Modeling a View from New York

By Jason Bowman, Founder & CEO, CumPane Solutions LLC

On 19 January 2019, the New York State Department for Financial Services (DFS) issued a circular letter1 concerning the use of external consumer data and information sources for life insurance underwriting. This followed a prior notice sent to insurers that the Department was investigating the use of such data for potentially unfair or discriminatory practices.

In the US the deployment of predictive models for life insurance has grown exponentially over the past five years, providing carriers with an opportunity to break out of the preferred underwriting ‘strait-jacket’ that has required anyone applying for life insurance over relatively low levels (around $100,000) to undergo a medical exam with blood and urine testing. Whilst preferred underwriting has enabled the industry to offer some of the most affordable life insurance in the world, it has conversely created an expensive and time-consuming underwriting process that has become an inhibitor for some consumers to purchase cover.


Applicant’s Experience

ExamOne Agents and Agencies

Your clients expect getting coverage to be a fast and trouble-free experience. So do you. Our streamlined processes eliminate redundancies and improve the applicant experience.

Resources for life insurance agents