An accelerated model that computes a mortality risk score based on select credit, public, and self-reported information from applicants, without the need for medical exam inputs. The score estimates mortality risk within age, sex, and tobacco status cohorts allowing life insurance carriers to place applicants into an appropriate risk class and quickly identify applications where fluidless underwriting is appropriate.
LifeScore Fluidless provides value for carriers by enabling them to expand their fluidless underwriting programs, while confidently managing mortality risk.
Better experience - our model’s ability to assess more granular mortality risk levels means that the score produced can be refined. As a result, carriers can better classify applicants and present a more personalized offering.