In the present day’s underwriting groups face rising calls for to enhance effectivity, assist accelerated workflows, and keep consistency. To higher meet these wants, ExamOne collaborated with Reinsurance Group of America (RGA) to reinforce our Threat Identifier® software with new, expertly designed guidelines.
RGA’s contributions make ExamOne Threat Identifier much more relevant to real-world underwriting challenges, serving to carriers strike a steadiness between velocity, accuracy, and alignment by incorporating the three main well being knowledge varieties—prescription, LOINC, and ICD codes—into 1 complete ruleset.
Accelerating and enhancing the underwriting course of
Threat Identifier, powered by ExamOne and UnderwriteMe, and now in collaboration with RGA, was constructed to satisfy the trendy calls for of underwriting operations by supporting automated and accelerated underwriting packages. The software classifies danger utilizing real-time well being knowledge. It combines the main well being knowledge components of LOINCs, ICD Codes, and prescription identifiers present in ScriptCheck, LabPiQture, and Medical Claims, then applies a debit/credit score scoring mannequin primarily based on configurable rule units.
The software gives underwriters a unified danger sign that can be utilized to:
- Immediately classify danger
- Floor contributing danger elements for explainable decision-making
- Scale back the necessity for conventional APS opinions or full medical exams for certified candidates
- Establish hidden high-risk (or ignored low-risk) profiles early within the software journey
With the addition of RGA’s insights, ExamOne Threat Identifier now incorporates a manual-aligned, condition-focused method that helps carriers:
- Detect well being considerations with better nuance
- Assist accelerated decisioning
- Keep readability and transparency in automated outcomes
“The collaboration with RGA brings a condition-focused method to the engine’s resolution logic,” says Justin Doolittle, director of product growth for ExamOne. “We’re aligning danger assessments extra carefully with underwriting guide philosophies and advancing the software’s skill to assist accelerated underwriting workflows.”
Strengthening resolution logic by way of experience
As some of the trusted names in life and well being reinsurance, RGA is famend for its modern considering, danger administration management, and cutting-edge use of synthetic intelligence and new evidences.
By integrating RGA’s underwriting experience into ExamOne Threat Identifier, the software now:
- Prioritizes condition-level insights relatively than relying solely on thresholds or broad indicators
- Helps extra granular underwriting selections, serving to underwriters pinpoint essential well being dangers or determine low-risk candidates for fast-track gives
- Makes full use of present knowledge science to quantify mortality impacts and determine interplay results between and amongst laboratory, prescription, and analysis histories
- Aligns with the philosophy and logic of underwriting manuals, enhancing transparency and belief in automation
- Enhances underwriting efficiency with out sacrificing accuracy or compliance
The result’s a software that not solely automates sooner however does so with a stronger connection to how underwriters consider danger.
A sensible resolution for at present’s challenges
ExamOne Threat Identifier is designed that can assist you sustain with altering expectations – each from candidates and inner groups. It suits seamlessly in any workflow, is simple to combine by way of API and lets underwriters or automation engines act with confidence.
Extra perception. Much less friction. Higher outcomes.
ExamOne Threat Identifier™ is redefining what’s potential in danger evaluation. For all times insurance coverage carriers in search of to strengthen their accelerated underwriting packages and empower underwriters with smarter instruments, this collaboration delivers.
Fascinated with seeing how Threat Identifier™ suits into your underwriting technique?
