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By combining medical knowledge and technology, s360.life is the only life and health underwriting SaaS platform you will ever need.

A comprehensive ecosystem of solutions, certified by ISO 27001 and ISO 9001, it offers multiple means of collecting underwriting information – as automated underwriting, predictive models, interviews (tele and video), accelerated underwriting, API-integrated lab exams, and medical report collection – but more than that, the s360 gives you full control over your case pipeline, allowing you to operate elegantly and autonomously. You can focus on other tasks while letting the machine do the hard work.

Not only it makes underwriting faster, but also brings more intelligence to your business. Being designed with a data-focused philosophy, the platform provides deeper underwriting insights. It transforms your medical unstructured data into structured insights, revolutionizing the way you analyze data.

• Efficient: Our software is designed to streamline your workflow and increase productivity.
• Accurate: With our software, you can trust that your data is always precise and up-to-date.
• User-friendly: Our intuitive interface makes it easy for anyone to use our software, regardless of their technical expertise.
• Customizable: Our software is highly flexible and can be tailored to meet the unique needs of your business.
• Secure: We take data security seriously and have built in robust measures to ensure your information is always safe.
• Affordable: Our software is competitively priced, making it accessible to businesses of all sizes.
• Reliable: You can count on our software to perform consistently and without error, day in and day out.

Dive into s.360 capabilities

Download the latest samplemed case studies

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Step by step

1.

By analyzing the applicant profile, the system merges underwriting channels and forwards the case to the most appropriate channel, ensuring the smartest and most efficient control of your proposals pipeline possible.

Ex.: Some cases may go predictive, while others may use online questionnaires or live interviews, according to the decision matrix implemented.

2.

The customer journey matrix is designed for each of your products individually so that different products can be implemented outlining all the different

3.

Paramedical exam solution providers can easily plug into the samplemed platform through API integration to fill the gaps needed in underwriting requirements. And if the carrier give permission, then the proposed insured can upload his/her own medical data from their phone directly to your underwriter’s desk.”

4.

A case may be finalized autonomously, passed by your team of Manual Underwriting specialists in inconclusive scenarios, or the reinsurance underwriter team, which will receive suggestions and tips on underwriting from the platform intelligence.

 5.

After the case is finished, it will be incorporated into your own applicant Life Data Warehouse, a private database for Data Science teams where all cases are anonymized, medical information structures and risks tagged into the proposals in order to unleash new depths of insight and business intelligence into your own portfolio.

6.

Not to say it is never too late to upcycle your data. After review with our team, Samplemed can structure data from online questionnaires from outside the platform so that it can be reused for insights and unleash new insights into your own portfolio data available.

 7.

If you love insights, the platform also has an in-built A/E Experience Study algorithm for all cases on the platform. Integrated into our cases status API, you can have a full actuarial report in just 5 minutes, which normally takes over 4 months for a statistics team to confection manually.

s.360 – keeping Life in flow

Modules Available in America today

Predictive Models

• Seamless applicant front page integration for effortless eCommerce flows.

• Complete predictive data report per case.

• Evaluates multiple benefits separately, including Death, Accidental Death, Disability benefits, Critical Illness, and more.

• Customizable and personalized to your specific product needs.

• Precise accuracy dashboards with real-time data.

• Identifies and prevents information bias.

• Self-sustaining and self-maintaining, a low code – no code solution.

• Expertly supervised by our experienced data scientists.

• Can be seamlessly integrated with your very own Life Research database with the Life Data Warehouse module.

Automated underwriting (auto.udw) v3

• Dynamically build customizable questionnaires.

• Structured suggestions provided by the system’s uw intelligence.

• Effortless translation of your questionnaire into multiple languages.

• Seamless utilization of the questionnaire via API or web interface.

• Effective communication with the applicant through email and SMS.

• Accurate verification of the applicant’s identity.

• Effortless filling of the questionnaire with an exceptional in-built user interface.

• Seamless experience across various environments.

• Instantaneous underwriting result for all benefits.

• PDF document generation with all health declaration answer and underwriting results for insurer and applicant.

• Automatic forwarding of inconclusive cases for manual underwriting or extra document collection.

Underwriting Manual (udw.manual)

• Comprehensive articles on the 88% most frequent underwriting conditions.

• Monthly research project at Samplemed will provide you with ongoing updates and new articles.

• Underwriter-friendly language for medical conditions.

• Intuitive and user-friendly interface.

• Risk scenario simulator to suggest outcomes for complex cases (multiple risk combinations).

• Available in multiple languages.

Risks Bank v2

• Over 8,000 pre-automated underwriting rules.

• Structured taxonomy list and life underwriting exclusive web semantics for identifying risks at its most granular clinical scenarios.

• Thesaurus with 4 dimensions of risk analysis.

• Granulated risks into smaller nodes (over 5,000 risk categories).

• Classifies and defines rules based on company standards.

• Recognizes and flags comorbidities.

• Fits multiple reinsurers manuals for a mixed portfolio experience.

• Ongoing research project to continuously expand the base.

Manual Underwriting (accelerated.udw)

• Seamless takeover from where the machine left off, providing a complete pre-set of identified risks that you can manually edit.

• Ability to upload applicant files to the case or view files directly sent by the applicant (e.g. additional medical reports).

• Option to add new risks to the case panel or change risk classification.

• Access to exam results through a direct connection with the provider for extra insights on the case.

• Manual finalization of the case.

• Specific statistics dashboard on manually underwritten cases.

Life Data lake v2

• Anonymized real data from your applicant’s portfolio.

• Tags risks, benefits, capital, and personal traits without personal data.

• GDPR and LGPD compliant regarding information security.

• Use your own data to build Samplemed predictive models.

• Upcycle old data to turn unstructured past cases into s.360 structured data.

Overall, Samplemed 360 offers a comprehensive and data-driven approach to life and health underwriting. With its various modules, it provides an efficient and effective way to handle the underwriting process while also providing valuable insights into your applicant’s and portfolio’s medical or non-medical risks. With s.360, the future of life underwriting has arrived.