Digital Underwriting Technology for Life Insurance Carriers
Underwrite life insurance applicants using a smartphone camera scan instead of scheduling costly paramedical exams. rPPG technology captures heart rate, heart rate variability, and blood oxygen estimates in seconds, giving underwriters the risk data they need to issue policies faster.
Why Choose Us
Advanced rPPG technology that transforms any camera into a health monitoring device
Fluidless Health Assessment
Capture applicant vitals without needles, labs, or in-person appointments. rPPG technology extracts cardiovascular indicators from a brief smartphone camera session, providing underwriters with health data that supports risk classification without the friction of traditional paramedical exams.
Real-Time Risk Data
Deliver heart rate, heart rate variability, and estimated blood oxygen data to your underwriting team within seconds of an applicant completing a scan. Real-time data ingestion means no waiting days for lab results, enabling same-day preliminary risk assessment for qualifying applicants.
Accelerated Policy Issuance
Reduce time-to-issue by removing the paramedical scheduling bottleneck. Applicants complete a self-service health screening from any location, and structured vitals data flows directly into your underwriting workflow, compressing the policy lifecycle from weeks to days.
Applicant Self-Service Screening
Empower applicants to complete their health screening on their own device, on their own schedule. The guided scan experience requires no medical training and takes under sixty seconds, dramatically improving applicant completion rates and reducing drop-off during the application process.
Underwriting Workflow Integration
Structured vitals data is delivered via API in formats compatible with modern underwriting platforms and policy administration systems. Integrate contactless screening results alongside existing data sources such as MIB, prescription history, and MVR records for comprehensive risk evaluation.
Applicant Data Privacy
Health screening data is processed with enterprise-grade encryption and access controls designed for regulated industries. Applicant biometric data can be configured to process on-device without cloud transmission, supporting your compliance requirements for handling protected health information.
See the ROI of Contactless Underwriting
Learn how life insurance carriers are reducing underwriting costs and accelerating policy issuance with digital health screening technology.
View Case StudiesInsurance Underwriting Applications
How life insurance carriers and MGAs use contactless vitals screening across the policy lifecycle
Individual Life Underwriting
Replace or supplement traditional paramedical exams for individual life insurance applications. Applicants complete a smartphone-based health screening during the application process, providing underwriters with vitals data that supports risk classification for standard and preferred tiers.
Faster risk classificationGroup Life Enrollment
Streamline group life insurance enrollment by capturing health data from employee populations at scale. Self-service screening eliminates the need to coordinate paramedical visits for large groups, reducing administrative burden and accelerating coverage activation for employers and members.
Scalable group screeningDirect-to-Consumer Carrier Portals
Embed contactless health screening directly into your online application flow. Applicants purchasing life insurance through digital channels complete their vitals assessment without leaving the browser, maintaining the seamless experience that modern consumers expect from digital-first carriers.
Embedded digital experienceContactless vitals technology for healthcare, insurance, and security
Get in Touch
Tell us about your use case and we'll get back to you within 24 hours.
Ready to Modernize Your Underwriting Process?
See how contactless vitals screening can reduce your underwriting cycle time and improve applicant conversion. Our team will walk you through integration options, data outputs, and how carriers are using digital health assessments to replace or supplement paramedical exams across their book of business.