Underwriting Features Built for Life Insurance Carriers
From fluidless health assessment to real-time underwriting data delivery, every feature is designed for the life insurance workflow. Explore how contactless rPPG vitals screening integrates with your existing underwriting platforms to reduce cycle time, lower costs, and improve applicant experience across individual and group life products.
Contactless Vitals Capture
Replace paramedical exams with smartphone-based health screening
Heart Rate Detection
rPPG technology detects pulse rate from facial blood flow patterns captured by a standard smartphone camera, providing underwriters with resting heart rate data
Heart Rate Variability Analysis
Measure beat-to-beat interval variations that serve as indicators of autonomic nervous system function, adding a data dimension to cardiovascular risk assessment
Blood Oxygen Estimation
Estimate peripheral oxygen saturation through spectral analysis of light absorption in facial tissue, supporting respiratory health evaluation during screening
Stress and ANS Indicators
Derive sympathetic and parasympathetic nervous system indicators from HRV metrics, providing underwriters with additional data points for holistic applicant health profiling
Contactless Vitals Capture
Enterprise Integration
Designed for carrier-grade underwriting workflows
Underwriting Platform API
RESTful API delivers structured vitals data in standard formats compatible with policy administration systems, underwriting workbenches, and rules engines
Configurable Data Outputs
Choose which vitals data points flow into your underwriting decision, map fields to your internal schema, and set thresholds that trigger manual review
Compliance-Ready Architecture
Enterprise encryption, configurable data retention policies, and audit logging designed for organizations operating under insurance regulatory frameworks
Enterprise Integration
Contactless Screening vs Traditional Paramedical Exam
| Feature | AY Health Benefits | Traditional Methods |
|---|---|---|
| Results in Under 60 Seconds | ||
| No Appointment Scheduling Required | ||
| Applicant Self-Service | ||
| Real-Time Biometric Data | ||
| Cardiovascular Vitals Panel |
Experience AY Health Benefits Today
See what contactless vitals monitoring can do — try it free.