For insurers & TPAs
Price the risk you can actually see.
Underwriting on a declaration form is guesswork, and a claim is the most expensive moment to learn the truth. The same screening layer that runs our corporate accounts can read a book of lives — consistently, and early enough to intervene.
- ✓Pre-policy screening at scale, scored the same way every time
- ✓Predictive risk flags on the cohort, not just the individual
- ✓Early intervention documented — evidence for what the program changed
- ✓Portfolio health trends, refreshed cycle over cycle
The difference
A claim is data arriving too late to be worth anything.
Underwriting blind
- Risk priced off a self-declaration form
- The first real health data arrives with a claim
- No way to tell a deteriorating life from a stable one
- Interventions, if any, are untracked and unprovable
- Renewal is a negotiation about anecdotes
Underwriting on screened data
- Risk priced off an actual screening, scored consistently
- The first real health data arrives before the policy is written
- Trend lines per cohort — who is moving, and in which direction
- Every intervention documented against the reading that triggered it
- Renewal is a conversation about a dataset you both hold
Three moments
Where screening changes the number.
At underwriting
Screen the book before you price it. The same panel, the same scoring, every life — so the numbers are comparable to each other, not just to a form.
While the policy is in force
Risk is not static. Cohort-level flags surface the lives that are moving the wrong way, early enough that an intervention is still cheap.
At renewal
Bring evidence instead of assertions — what was screened, what was flagged, what was acted on, and what changed between cycles.