Improve loss ratios
Straight through underwriting
Increase conversion rates
Increase identification of DTQs
Frequently Asked Questions
All we need is a standard census. Please include the following for all employees and dependents (if available): First Name, Last Name, Date of Birth, Gender, and Zip Code. The following fields are optional but will help increase the match rate: Street Address, City, State, Phone Number. Please be mindful of the required format.
Our pricing is structured on a price per match fee with a monthly minimum, based on expected annual volume. We can also structure an “all-in” flat fee based on volume requirements. For more information on pricing, please contact us directly at firstname.lastname@example.org
If you include the five required census fields, our average match rate is between 80-85%. If you include the additional fields (with street address being the most important), our average match rate increases to 90-95%. Street address also allows us to pull in household data, which will help provide insight on dependents.
For each census that you upload, our platform will provide scores at the group and individual level. The scores that you receive measure loss ratio, expected claims outcome, and profitability and can be directly applied to risk selection and rate setting. Each client has a unique platform that helps to operationalize our scores in order to meet their strategic underwriting, sales, and actuarial goals.
Our database of 5,000+ behavioral attributes on more than 250M individuals is sourced from data that can be broken into three categories:
- “Opt-in” Data which includes demographic, geographic, social, econometric, purchasing, financial, and credit.
- Clinical and Rx Data which includes medical providers, pharmaceutical companies, hospitals, clinical registries, and disease associations.
- First-Dollar Claims Data which includes 25 million unique individual claimants across Group Health, Voluntary Benefits, Life, and Property and Casualty.
Our database is made up of over a trillion data points, consisting of: behavioral, financial, demographic, geographic, clinical, Rx, and first-dollar claims. We take all of these pieces of data and project a scored understanding of risk indexed to the manual on over 250M people across the U.S. by utilizing our proprietary machine learning modeling.
No. We are PII compliant and our platform automatically and immediately de-identifies any PII data you send to us so we never see nor house any client PII information.
Verified by Actuaries…
Our data and scores have been rigorously tested and validated by actuaries from Wakely Consulting, a respected third party actuarial consulting firm.