Underwriting & Claims

InsurTech Express is a curated technology hub for the life, health, and annuity insurance industry. We are not a vendor ourselves — we’re where carriers, MGAs, agencies, and advisors come to find, compare, and shortlist the platforms that solve a specific operational problem, like speeding up underwriting decisions and claims payouts.

The solutions listed below cover point-of-sale underwriting, EHR and medical data access, risk scoring, and claims payment processing. We track this space closely so you don’t have to start from a blank search — each listing includes a short, plain-language description of what the provider does and who it’s typically built for, whether that’s a large carrier’s underwriting desk, an MGA, or a claims operations team.

This page is for underwriting and claims leaders evaluating new technology, as well as for vendors in this space who want to be discoverable by that audience.

Don’t see what you need? Contact us and we’ll help point you toward the right fit — or if you’re a provider who belongs on this page, reach out to be added.

ExamOne, a Quest Diagnostics company, provides a comprehensive suite of solutions to streamline and enhance life insurance underwriting processes. Their offerings range from traditional paramedical exams and laboratory testing (including services like LabPiQture for historical lab results and ScriptCheck for prescription history) to advanced data-driven tools. Key among these is “Risk Identifier,” an underwriting decision support tool developed in collaboration with UnderwriteMe, which leverages a vast array of digital health data, electronic health records (EHRs), and medical claims to provide real-time risk assessments and decision recommendations. ExamOne also focuses on accelerating medical record retrieval, offering solutions for traditional Attending Physician Statements (APS) and integrating with EHR systems to reduce turnaround times. By combining their extensive data sources, analytical capabilities, and nationwide specimen collection network, ExamOne helps insurers achieve greater efficiency, accuracy, and confidence in their underwriting decisions, ultimately improving the applicant experience.

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 On-demand field underwriting returns a health class rating or range based on published and unpublished carrier rules, and gives you immediate, automated responses to almost all of your quick quotes.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.

LexisNexis® Risk Classifier with Medical Data integrates behavioral and medical history into a single underwriting model. This helps enable life insurers to better understand and segment risk, minimize invasive requirements and accelerate the underwriting decision process.

As an interactive single-inquiry solution, LexisNexis^® Life Data Prefill helps streamline the insurance process at the point of application, reducing the time and cost of capturing some of the data necessary to help properly evaluate your applicants.

LexisNexis® Human API™

The LexisNexis® Human API™ is a consumer-consent-driven platform that empowers individuals to securely and easily share their digital health data with organizations, primarily for the life insurance and healthcare industries. By connecting to a vast network of data sources, including Electronic Health Records (EHRs), patient portals, labs, and even wearables, the platform aggregates disparate health information into a single, comprehensive view. This capability helps life insurers accelerate and automate their underwriting process by providing a streamlined, digital clinical history report, which significantly reduces the time and cost associated with traditional methods like manual record retrieval and attending physician statements, ultimately enhancing the customer experience.