How Contactless Underwriting Screening Works
From applicant scan to underwriting decision support in four steps. Our rPPG-based screening process replaces the traditional paramedical exam with a smartphone camera session that takes under sixty seconds, delivering structured vitals data directly into your underwriting workflow without scheduling delays or third-party exam vendors.
Simple Steps to Get Started
Measuring your vitals takes less than a minute
Applicant Receives Screening Link
The applicant receives a secure link via email or within your application portal. No app download is required. The screening launches in a mobile browser and guides the applicant through positioning and lighting setup for an optimal scan.
Contactless Vitals Capture
The applicant faces their smartphone camera for approximately thirty seconds. rPPG technology captures micro-variations in facial skin color caused by blood flow, extracting cardiovascular signals without any physical contact or wearable device.
Data Processing and Structuring
Raw signal data is processed through rPPG algorithms to extract heart rate, heart rate variability, and estimated blood oxygen. Results are structured into a standardized data payload ready for integration with underwriting systems.
Delivery to Underwriting Workflow
Structured vitals data is delivered to your underwriting platform via API webhook or batch file. Underwriters receive the screening results alongside existing data sources like MIB and Rx history, enabling faster risk classification and policy issuance.
See the Screening Process in Action
Walk through a live demonstration of the applicant screening experience and see how structured vitals data flows into an underwriting workflow. Our team will show you integration options, data output formats, and how carriers are configuring the screening for different product lines and risk tiers.