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.

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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.

Underwriting made easy and painless

Our fully digital solution brings underwriting into the 21st century—creating a streamlined, customer-friendly gateway for closing sales at one sitting.

Decisions are delivered in under 40 minutes—covering both morbidity and mortality risks
Cognitive and functional screening is conveniently completed at home
Personal guidance by live experts ensures a smooth experience
Ease of process opens the door to non traditional sellers—financial advisors, planners and RIAs.

Underwriting made easy and painless

Our fully digital solution brings underwriting into the 21st century—creating a streamlined, customer-friendly gateway for closing sales at one sitting.

Decisions are delivered in under 40 minutes—covering both morbidity and mortality risks
Cognitive and functional screening is conveniently completed at home
Personal guidance by live experts ensures a smooth experience
Ease of process opens the door to non traditional sellers—financial advisors, planners and RIAs.

2,000+

2K+

Underwriting Sessions Completed

Underwriting Sessions
Completed

32m

Average Completion Time

Average Completion
Time

94%

Satisfaction Rating

Satisfaction
Rating

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

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

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