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Life Underwriting

Life Underwriting

Life Underwriting Systems

Paramedical Solution Providers

Underwriting Tools and Services

Prodigi is a suite of customizable software tools designed to confirm that the identity of an applicant or account holder. Prodigi’s available features include confirmation of the applicant address using GPS data, voice analytics, multi-variant database interrogations including proprietary sources and subscription-based data, and the ability to validate domestic and international government issued IDs.  Prodigi is designed to interface with existing systems and provide structured results from its algorithms.

Since 2006, Medix has been changing the course of health for millions of customers by delivering impactful medical responses that are borderless, personalized, and data-driven. We embolden insurers, employers, financial groups, retailers, distributors, and governmental institutions to transcend conventional models and methods, moving beyond transactional care to better health, human, and financial outcomes. Medix responses are tailored by world-leading medical teams and proprietary AI and data analytics: combining the best digital tools with real human presence.

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Improving Risk Selection is a goal of all insurers and agencies. eValuate (eV) 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 automated underwriting guidelines and impairment parameters!

eValuate PLUS

Automate underwriting with eValuate PLUS (eV PLUS) a flexible and powerful decision tool from PSG that supports full data driven analysis for multiple products (Life, DI, FE, etc.) based on carrier specific rules that can be directly managed to keep underwriting guidelines confidential.


Convenient, Secure and Fast. eRequirement (eR) eliminates the paper chase for post submission or inforce requirements. Regardless of how the application originated your case can be back on track with an average of 3.4 from start to finished.

Based upon the extensive Samplemed medical underwriting experience, we believe samplemed360 is the only life and health underwriting platform you need. In addition to including all Samplemed solutions for risk analysis and controlling case flow elegantly and autonomously, the platform reveals deeper underwriting insights, because it was designed with a data-focused philosophy.

So, if you want to organize your flows, optimize cost in underwriting, or unleash your own data, be sure to use s360. The future of underwriting arrived.

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EHR Chart Retrieval for Insurers

Real-time medical record access for swift, accurate underwriting and claims processing.

With the appropriate authorization and consent, life & disability companies use Chart Bridge to gain real time, electronic access to their client’s medical records. Chart Bridge aggregates data from some of the largest healthcare providers and EHR systems in the nation.  It works in concert with our Health Information Platform to process data into an actionable, organized format, where compliance is assured.


liz is a modular suite comprised of three stand-alone solutions that work great separately, and even better together. This solution suite pertains to life insurance lines of business – hence the name – and allows for end-to-end business cycles to take place without prior infrastructure and very minimal IT resources.

  • liz flow is a modular, pure no-code e-application, and a product configuration & management platform.

  • liz assess is thinktum’s AI-driven personalized underwriting engine. It supports any and all combinations of underwriting models. Accelerated, simplified, reflexive, dynamic, traditional, hybrid, and more.

  • liz data is our data processing and analytics module. liz data provides real-time analytics in the form of monitoring dashboards, logs, timestamps, and more. liz data pulls behavioral analytics data from end-users such as agents and applicants.

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Diameter Health Fusion

Fusion’s automated Upcycling Data™ process, which normalizes and enriches raw clinical data for both machine and human use, makes clinical data from EHRs usable to drive real-time underwriting and risk analytics. Carriers, aggregators, and re-insurers benefit from greater insights into applicant health issues without the delays and costs of traditional health assessments or PDF Attending Physician Statements.


AdamsBridge Global is known for medical data annotation and providing high end resources for staff augmentation, managed services, captive, and semi-captive centers in the Insurance, Life Settlement, Trials and Real Estate verticals.


LexisNexis® Risk Classifier with Medical Data

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.

LexisNexis® Life Data Prefill

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.

DriverRisk Life

TransUnion’s DriverRiskSM Life supplies traffic-related court record data to help insurers obtain a more comprehensive view of consumers’ driving history. Insurers can reduce expenses by ordering MVRs only when specific convictions are present on the driver’s record, and gain insight into convictions not on the state MVR – such as those received outside the license state or associated with a prior driver’s license. With more than 428 million violation records and 300 million consumer records — plus the ability to pull MVRs — we can provide information you won’t find using MVR-only solutions.

TrueRisk® Life

TrueRisk® Life is a credit-based insurance score that is predictive of mortality and lapse for use across the life insurance policy lifecycle. Validated by RGA, TrueRisk Life consists of only credit-based data attributes and is provided as a score ranging from 1 to 100 (low risk to high risk).

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Risk Engine

The dacadoo Risk Engine is designed for reinsurers, insurers and providers.

With limited self-reported data, the Risk Engine calculates mortality and morbidity risks and provides full data sets with 100 data points for each record. It does this by imputing estimated values for all missing data. For example, if only age, gender, height and weight of a person are provided, the engine will impute 96 missing data points, including blood values and other bio-metric data.

The dacadoo Risk Engine works with as little as four data points (age, gender, height and weight) and can work with up to 100.

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Health Intelligence Platform

Accelerate all automated underwriting with one platform that connects to every online and offline health data source.

Sell more policies and deliver better customer experiences with comprehensive access to Electronic Health Records (EHRs).

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Velogica is one of the first point-of-sale, instant life underwriting systems in the industry with a history of more than 15 years.

SCOR’s solution for point-of-sale life insurance combines reinsurance, product development and Velogica®, an advanced algorithm that utilizes a patented process to deliver instant automated underwriting system decisions.

Velogica is helping major clients drive new models of efficient distribution through predictive risk assessment and point-of-sale policyholder capture. The Velogica algorithm correlates information from the life insurance application, motor vehicle reports, MIB reports and prescription drug history, and, in some states, criminal history. Clinical lab histories and credit-based mortality scores are on the horizon.

Velogica is designed with the flexibility required for new data sources as they become available on policy applicants. The most recent release of Velogica integrates SCOR’s predictive analytics capabilities and Electronic Health Records scores. The platform now features powerful data visualization and analytics functions that allow for strong case management and tracking (see Velogica Valet above). With more than four million life insurance applications processed, this proven platform has a record of achievement that is unmatched in the industry.

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Power your digital strategy with Verisk automated electronic health records tool.

Verisk’s EHR Triage Engine evaluates more than 50 risk elements and 95,000 impairments to process applicant authorized EHRs in one minute or less. Qualified risks can move more quickly toward bind, while your underwriters see only the applicants who need review. With fewer medical tests and faster cycles, you can save money and time while gaining efficiency across the underwriting workflow. Jump-start your digital strategy with automated underwriting that helps drive real-time, low- or no-touch decision making. Our solution can help you attract lower-risk prospects seeking a quick purchase process; keep more of them in the pipeline; and protect your book from adverse selection—all at the same time.


Employee Pooling Underwriting Toolbox and Services

Employee Pooling’s Automated 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.

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eXtract Plus™– Medical Underwriting Tool.

The Insurance Industry has been focused on acceleration and automation automated 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.

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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.

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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

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Digital Life Insurance Service

iCover‘s algorithmic underwriting helps insurers sell to the middle market. Leveraging data and predictive analytics iCover can assess, price, and deliver life insurance to your customers in 5 minutes.

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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 automated underwriting guidelines and impairment parameters!

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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:

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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.

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ExamOne Agents and Agencies

Applicant’s Experience

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

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