Life Insurance

Business leaders in all areas of the business must be able to identify and implement the critical items that will enable their functions to be competitive and deliver profitable growth.


Marketing has traditionally relied on hit and miss referrals from agents or other sources to advance the business. Predictive analytics can provide insights into potential customers and captive and non-captive agencies and their selling habits.

Sales Process Optimization

Your sales application likely developed over time with questions being added that seemed important at the time. The net result is a lengthy application process, which is unappealing to agents and customers alike. Do you still need to ask about past travel and is disclosure of hazardous activities beneficial? We can help you assess the value of each question to optimize the application process with introducing additional risk.


Predictive analytics offers significant benefits in experience analysis for mortality for pricing. First, a predictive model can include more factors in its calculations than traditional methods can manage. As well, predictive modeling offers advantages in quantifying the inter-relationships between factors. The result is a more accurate measure of risk, leading to a more accurate underwriting assessment and greater (and known level of) confidence in this assessment.

Application Validation

Applications to buy life insurance should reviewed to protect against fraud, under-disclosure and simple errors. Many companies focus on application fraud using activity based requests, while overlooking other potential dangers that can arise from simple errors. Our approach is to flag anomalous activities by identifying patterns specific to your data and your business. This can build on existing safeguards, and it has the advantages that it does not rely on previously identified suspicious activity and can improve the application process.

T10 Renewals

Companies are becoming increasingly alarmed by the lapse rates they are experiencing on 10 Year Term renewals. Furthermore, products issued today have different features than the ones renewing now, so their experience will be different. Using our approach to normalizing experience we can predict the experience on business issued today and identify factors to reduce lapses.