Modernizing Life Insurance Underwriting with Contactless Technology
AY Health Benefits is focused on bringing contactless health screening technology to the life insurance industry. We help carriers, MGAs, and insurtechs replace the friction of traditional paramedical exams with smartphone-based vitals assessment that fits the modern applicant experience.
Why We Built This for Insurance
The life insurance industry has relied on paramedical exams for decades, but the process creates friction that costs carriers applicants and revenue. Scheduling delays, no-show rates, and the inconvenience of in-person exams contribute to application drop-off at the exact moment when applicant intent is highest.
We recognized that remote photoplethysmography technology, which captures cardiovascular signals from facial blood flow using a standard camera, could address this bottleneck directly. By enabling applicants to complete a health screening from their own device, carriers eliminate the scheduling dependency that slows underwriting.
Our team brings together expertise in computer vision, signal processing, and insurance technology to build screening solutions designed specifically for the underwriting workflow. Every integration is built to deliver structured data that fits how underwriters actually evaluate risk.
Today, we work with life insurance carriers and MGAs to deploy contactless screening across individual life, group life, and direct-to-consumer channels, helping the industry move toward faster, more accessible underwriting without sacrificing the data quality that sound risk classification requires.
Our Mission
To accelerate life insurance underwriting by replacing the paramedical exam bottleneck with contactless health screening technology. We believe that modernizing how carriers capture applicant health data will reduce cycle times, improve placement ratios, and make life insurance more accessible to the people who need it.
Principles That Guide Our Work
Built for Underwriting
Every feature is designed with the underwriting workflow in mind. We deliver structured data that fits how carriers evaluate risk, not generic health metrics that require manual interpretation.
Carrier-Grade Privacy
We build for regulated industries. Enterprise encryption, configurable data retention, and on-device processing options reflect our commitment to handling applicant data responsibly.
Transparency in Capabilities
We are clear about what contactless screening can and cannot do. Honest communication about data limitations builds the trust that long-term carrier partnerships require.
Continuous Improvement
rPPG technology is advancing rapidly. We invest in ongoing research and development to expand the range of vitals data available to underwriters and improve signal quality across diverse applicant populations.
Learn More About AY Health Benefits
Visit our main site to explore our technology and get started.