Clinically Validated Underwriting, Top-Tier Speed and Accuracy
Proprietary digital assessments, backed by exclusive carrier data, deliver clinically validated decisions in under 40 minutes—providing superior risk selection and a seamless client experience.
Most advisors won't even start LTCI conversations they can't close in a single meeting. That’s why traditional underwriting, with its 10+ days to decision and 40% decline rates, has been a major sales blocker—and why we invested in modernizing it for today’s market.
How our data-driven platform changes the game
Exclusive access to large-scale, real-world LTC data—through deep partnerships with leading carriers—enables our platform to predict utilization and risk better than traditional methods.
Proprietary, multi-modal risk assessment
Population-level datasets and actuarial studies
Claims patterns from mature insurance blocks
Clinical assessment crosswalks
Morbidity scoring validated against carrier experience
Beyond medical records
Clinically validated cognitive and functional screening—completed at home
Video-based physical testing for fall risk and mobility
Board-certified health coaches who guide digital assessments
Integrated prescription, claims, and EHR data
Enhanced application questions boosted by predictive analysis
Clinical innovation that reduces carrier risk
Detects hidden risks—60% underdiagnosis for mild cognitive impairment, 20% for early Parkinson’s disease, plus functional limitations missed in standard underwriting
Delivers faster and often more accurate decisions, a win for both carriers, advisors, and applicants.
Eliminates human bias and variability with automated decisioning
Streamlines process with licensed TPA infrastructure
Unlock growth with faster, smarter underwriting.
Close more LTC sales with frictionless, data-driven decisions that boost accuracy.
