Underwriting Transformation
Accelerate underwriting with one platform that connects to online and offline health data.
Sell more policies, deliver better customer experiences, and drive transformation with comprehensive access to digital health data.
“We’re taking the first steps to digitally transform our business with EHR data. Embedding the Human API platform into e-applications is just the beginning. We’re paving the road for a future with automated rules engines, new risk-scoring solutions, decision support tools, and more. Electronic health records (EHR) data is a rich new medical data source with huge potential to change how we do business, and partnering with Human API is a core part of our innovation strategy.”
Jim Lucas - SVP, Chief Actuary at AAA Life Insurance
Grow your business with one platform that connects to all health data sources
Accelerate underwriting
Access structured and comprehensive health data from every EHR data source to accelerate all your underwriting.
Drive premium growth and cut cycle times
Replace invasive paramedical exams and time-consuming processes by collecting medical data electronically. Improve policy placement rates and time-to-issue.
Improve the consumer buying experience
Help clients get their policies faster and deliver a seamless buying experience that exceeds expectations.
Platform Overview Video
Watch this video and learn how our Health Intelligence Platform connects and converts health data into actionable intelligence to create better insurance buying experiences, accelerate underwriting, and improve placement rates.
Customers are expecting more from their insurance experience.
According to LIMRA, 41% of Americans don’t have life insurance, and 48% of households have an average coverage gap of $200,000. Part of this gap is due to the high drop off rates that result from a fragmented, manual, and lengthy buying process.
Your customers today are expecting on-demand, “buy-now” digital experiences in all aspects of their lives. Time-consuming APS orders and invasive paramedical exams are not good enough anymore.
Turn health data into information with Medical Evidence Optimization
Health information delivered at the right time - empowering underwriting teams to make better decisions faster and enhancing customer experiences through shorter cycle times.
Custom reports are available through the Human API platform that seamlessly combine data sources across all electronic health records data networks into a single, consistent format. Each report is a solution that can be tailored to a specific use case.
Access comprehensive, structured health data that enables new underwriting capabilities and solutions
The Human API platform ingests and structures fragmented health data from every health data source - including EHR networks, HIEs, patient portals, pharmacies, labs, and offline retrieval partners - to deliver normalized data outputs that enable underwriting innovation.
Human API connects to 30,000+ health data sources and covers over 270 million lives. Our platform aggregates data from HIEs, EHR networks, patient portals, pharmacies, and labs to deliver comprehensive health data access.
Sample Reports
Quick Screen Report
Surface health history and automatically identify key undisclosed conditions in EHRs on all applicants.
Increase the number of eligible applications for accelerated underwriting programs and the protective value of cases without labs and exams.
Health Check Report
Replace unnecessary labs and exams by accessing build, vitals, social history, and longitudinal lab & test results directly from electronic health records (EHRs).
Health Check is designed to increase placement rates, improve customer & agent satisfaction, enable better risk management, and enhance the success of Accelerated Underwriting programs.
Highlights Summary + Full EHR Report
This report summarizes and highlights key information across all connected electronic health records, and can be appended as a cover page for the full electronic health record (EHRs) that Human API generates based on an applicant’s longitudinal medical history.
Trusted and loved by distribution
Human API provides a digitized, accelerated, and easy buying process that distribution partners love. Utilizing digital health records helps distribution partners sell more policies and create happier customers..
“Companies are all starting to look at how to leverage this repository of EHR data to improve their business models and placement rate, streamline underwriting and insure more consumers quicker.”
Jason Grover | President, Ash Brokerage
Customer Stories
Guardian uses Human API to Accelerate Disability Insurance Underwriting.
AAA Life Insurance Embraces Electronic Health Records (EHR) Data to Modernize Underwriting Processes and Drive Higher Placement Rates.
Improve customer engagement and reduce cycle times with a fully digital EHR retrieval process.
Learn how you can use our platform to accelerate underwriting and create better customer experiences.
Completely digital authorization experience
Replace paramedical exams and labs
20-min average to retrieve complete EHR records
No IT or integrations required
Case Study
Ash Brokerage uses Human API to streamline underwriting & transform the client buying experience
Learn how a leading brokerage firm is leveraging EHR data to offer a differentiated buying experience to their customers.
