In the present day’s underwriting groups face rising calls for to enhance effectivity, assist accelerated workflows, and preserve consistency. To higher meet these wants, ExamOne collaborated with Reinsurance Group of America (RGA) to boost our Danger Identifier® device with new, expertly designed guidelines.
RGA’s contributions make ExamOne Danger Identifier much more relevant to real-world underwriting challenges, serving to carriers strike a stability between pace, accuracy, and alignment by incorporating the three main well being information varieties—prescription, LOINC, and ICD codes—into 1 complete ruleset.
Accelerating and enhancing the underwriting course of
Danger Identifier, powered by ExamOne and UnderwriteMe, and now in collaboration with RGA, was constructed to satisfy the fashionable calls for of underwriting operations by supporting automated and accelerated underwriting packages. The device classifies threat utilizing real-time well being information. It combines the main well being information parts of LOINCs, ICD Codes, and prescription identifiers present in ScriptCheck, LabPiQture, and Medical Claims, then applies a debit/credit score scoring mannequin based mostly on configurable rule units.
The device gives underwriters a unified threat sign that can be utilized to:
- Immediately classify threat
- Floor contributing threat components for explainable decision-making
- Scale back the necessity for conventional APS opinions or full medical exams for certified candidates
- Determine hidden high-risk (or missed low-risk) profiles early within the software journey
With the addition of RGA’s insights, ExamOne Danger Identifier now incorporates a manual-aligned, condition-focused method that helps carriers:
- Detect well being considerations with higher nuance
- Help accelerated decisioning
- Preserve readability and transparency in automated outcomes
“The collaboration with RGA brings a condition-focused method to the engine’s choice logic,” says Justin Doolittle, director of product improvement for ExamOne. “We’re aligning threat assessments extra intently with underwriting guide philosophies and advancing the device’s skill to assist accelerated underwriting workflows.”
Strengthening choice logic via experience
As one of the crucial trusted names in life and well being reinsurance, RGA is famend for its progressive pondering, threat administration management, and cutting-edge use of synthetic intelligence and new evidences.
By integrating RGA’s underwriting experience into ExamOne Danger Identifier, the device now:
- Prioritizes condition-level insights quite than relying solely on thresholds or broad indicators
- Helps extra granular underwriting selections, serving to underwriters pinpoint crucial well being dangers or establish low-risk candidates for fast-track gives
- Makes full use of present information science to quantify mortality impacts and establish interplay results between and amongst laboratory, prescription, and prognosis histories
- Aligns with the philosophy and logic of underwriting manuals, bettering transparency and belief in automation
- Enhances underwriting efficiency with out sacrificing accuracy or compliance
The result’s a device that not solely automates sooner however does so with a stronger connection to how underwriters consider threat.
A sensible resolution for in the present day’s challenges
ExamOne Danger 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 Danger Identifier™ is redefining what’s potential in threat 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.
Taken with seeing how Danger Identifier™ suits into your underwriting technique?
