Health & Longevity Intelligence.
Longevity drives everything in life insurance, yet it hides in stacks of unstructured medical records. We translate health into a forecast you can act on — a projected mortality rating and a full probability distribution, not a single guess. Which product we run depends on whether medical records are available.
Two paths, decided by your inputs
Both products deliver the same decision-grade output: a projected mortality rating, mean and median life expectancies, upper and lower quartiles, and standard-vs-projected survival distributions. The difference is the source material. When complete medical records are available, our experts review them directly. When they aren't, machine learning produces an immediate forecast from whatever information exists.
HealthInsightPRO
Medical records availableExpert-reviewed, when records are in hand.
A thorough review of a client's complete medical records, manually examined to maximize accuracy and validated through a three-tiered audit. A dramatically faster and cheaper alternative to a traditional life-expectancy report.
- Input: complete medical records
- Medical record synopsis plus a detailed health description
- Projected mortality rating, mean/median LEs, and quartiles
- Best for optimized underwriting and rapid insights from records
HealthInsightAI
Limited infoAn immediate forecast, before records arrive.
AI-powered analysis that interprets multiple input types the moment they're available. A first-of-its-kind approach blending heuristic and algorithmic methods, trained on 50K+ unique lives, to fill the gaps with accuracy.
- Inputs: a health questionnaire, written health summary, or LE report
- Same mortality rating, LEs, quartiles, and probability distributions
- Delivered instantly as a PDF report and/or API message
- Best for speed and scale, and as a recurring touchpoint with insureds
Trained on 50K+ unique lives
Our longevity models learn from tens of thousands of real lives, blending algorithmic pattern-finding with established underwriting heuristics.
Distributions, not point guesses
Every forecast includes the full survival-probability distribution — because two insureds with the same median LE can be very different risks.
Cheaper than a traditional LE
Expert-reviewed longevity analysis at a fraction of the cost and turnaround of a conventional life-expectancy report.
Privacy first
Health data is handled at our highest sensitivity tier, with HIPAA-aligned safeguards and BAAs available.
Ready to see it on your own policies?
Run an assessment through the InsuriShield platform, or talk to our team about volume and API access.