Today’s underwriting teams face increasing demands to improve efficiency, support accelerated workflows, and maintain consistency. To better meet those needs, ExamOne collaborated with Reinsurance Group of America (RGA) to enhance our Risk Identifier® tool with new, expertly designed rules.
RGA’s contributions make ExamOne Risk Identifier even more applicable to real-world underwriting challenges, helping carriers strike a balance between speed, accuracy, and alignment by incorporating the 3 major health data types—prescription, LOINC, and ICD codes—into 1 comprehensive ruleset.
Accelerating and enhancing the underwriting process
Risk Identifier, powered by ExamOne and UnderwriteMe, and now in collaboration with RGA, was built to meet the modern demands of underwriting operations by supporting automated and accelerated underwriting programs. The tool classifies risk using real-time health data. It combines the leading health data elements of LOINCs, ICD Codes, and prescription identifiers found in ScriptCheck, LabPiQture, and Medical Claims, then applies a debit/credit scoring model based on configurable rule sets.
The tool offers underwriters a unified risk signal that can be used to:
- Instantly classify risk
- Surface contributing risk factors for explainable decision-making
- Reduce the need for traditional APS reviews or full medical exams for qualified applicants
- Identify hidden high-risk (or overlooked low-risk) profiles early in the application journey
With the addition of RGA’s insights, ExamOne Risk Identifier now incorporates a manual-aligned, condition-focused approach that helps carriers:
- Detect health concerns with greater nuance
- Support accelerated decisioning
- Maintain clarity and transparency in automated outcomes
“The collaboration with RGA brings a condition-focused approach to the engine’s decision logic,” says Justin Doolittle, director of product development for ExamOne. “We’re aligning risk assessments more closely with underwriting manual philosophies and advancing the tool’s ability to support accelerated underwriting workflows.”
Strengthening decision logic through expertise
As one of the most trusted names in life and health reinsurance, RGA is renowned for its innovative thinking, risk management leadership, and cutting-edge use of artificial intelligence and new evidences.
By integrating RGA’s underwriting expertise into ExamOne Risk Identifier, the tool now:
- Prioritizes condition-level insights rather than relying solely on thresholds or broad indicators
- Supports more granular underwriting decisions, helping underwriters pinpoint critical health risks or identify low-risk applicants for fast-track offers
- Makes full use of current data science to quantify mortality impacts and identify interaction effects between and among laboratory, prescription, and diagnosis histories
- Aligns with the philosophy and logic of underwriting manuals, improving transparency and trust in automation
- Enhances underwriting performance without sacrificing accuracy or compliance
The result is a tool that not only automates faster but does so with a stronger connection to how underwriters evaluate risk.
A practical solution for today’s challenges
ExamOne Risk Identifier is designed to help you keep up with changing expectations – both from applicants and internal teams. It fits seamlessly in any workflow, is easy to integrate via API and lets underwriters or automation engines act with confidence.
More insight. Less friction. Better outcomes.
ExamOne Risk Identifier™ is redefining what’s possible in risk assessment. For life insurance carriers seeking to strengthen their accelerated underwriting programs and empower underwriters with smarter tools, this collaboration delivers.
Interested in seeing how Risk Identifier™ fits into your underwriting strategy?
RGA’s contributions make ExamOne Risk Identifier even more applicable to real-world underwriting challenges, helping carriers strike a balance between speed, accuracy, and alignment by incorporating the 3 major health data types—prescription, LOINC, and ICD codes—into 1 comprehensive ruleset.
Accelerating and enhancing the underwriting process
Risk Identifier, powered by ExamOne and UnderwriteMe, and now in collaboration with RGA, was built to meet the modern demands of underwriting operations by supporting automated and accelerated underwriting programs. The tool classifies risk using real-time health data. It combines the leading health data elements of LOINCs, ICD Codes, and prescription identifiers found in ScriptCheck, LabPiQture, and Medical Claims, then applies a debit/credit scoring model based on configurable rule sets.
The tool offers underwriters a unified risk signal that can be used to:
With the addition of RGA’s insights, ExamOne Risk Identifier now incorporates a manual-aligned, condition-focused approach that helps carriers:
“The collaboration with RGA brings a condition-focused approach to the engine’s decision logic,” says Justin Doolittle, director of product development for ExamOne. “We’re aligning risk assessments more closely with underwriting manual philosophies and advancing the tool’s ability to support accelerated underwriting workflows.”
Strengthening decision logic through expertise
As one of the most trusted names in life and health reinsurance, RGA is renowned for its innovative thinking, risk management leadership, and cutting-edge use of artificial intelligence and new evidences.
By integrating RGA’s underwriting expertise into ExamOne Risk Identifier, the tool now:
The result is a tool that not only automates faster but does so with a stronger connection to how underwriters evaluate risk.
A practical solution for today’s challenges
ExamOne Risk Identifier is designed to help you keep up with changing expectations – both from applicants and internal teams. It fits seamlessly in any workflow, is easy to integrate via API and lets underwriters or automation engines act with confidence.
More insight. Less friction. Better outcomes.
ExamOne Risk Identifier™ is redefining what’s possible in risk assessment. For life insurance carriers seeking to strengthen their accelerated underwriting programs and empower underwriters with smarter tools, this collaboration delivers.
Interested in seeing how Risk Identifier™ fits into your underwriting strategy?
Connect with your ExamOne Strategic Account Executive or visit www.examone.com/underwriting-assessment-engine to learn more.