Transforming Life & Health Insurance Underwriting & Customer Engagement

Aging clocks are becoming a valuable tool in the insurance industry, offering deeper insights into the risk of age-related health issues. By utilizing these advanced technologies, insurance companies can better assess and predict health risks, improving both policy accuracy and customer outcomes. 

Key types of aging clocks relevant to insurers include: 

    • Blood Age Clock: Analyze blood biomarkers linked to aging, highlighting anomalies, and offering corrective action recommendations.

    • Mind Age Clock: Assess mental well-being and resilience, creating a psychological profile across various well-being parameters. Personalized recommendations are then provided to enhance mental health and resilience.

By leveraging aging clocks, insurance companies can better understand individual health risks, allowing for more accurate risk assessments, tailored policies, and proactive interventions that align with client needs. This data-driven approach can significantly improve underwriting accuracy, customer engagement and client satisfaction.

Biological Age prediction for underwriting

Deep Longevity offers multiple aging clocks to generate Biological Age that can be used by Health & Life Insurance companies to underwrite risk

Improve risk assessment

The pace of aging in humans is linked with the overall health which in turn drives the risk of adverse and mortality events.

Aging clocks are a brilliant add-on for actuarial models.

Blood Age clocks

Enhance accuracy and personalization in underwriting with Blood Age, our most extensively used aging clock. By analyzing 54 key biomarkers, Blood Age offers a comprehensive view of the aging process. 

For insurers, Blood Age provides a concrete and actionable risk measure that can replace chronological age with all health condition analysis in underwriting, leading to more precise assessments and tailored policies.

Mind Age clocks

Insurance companies can enhance the mental health and well-being of both employees and customers using Deep Longevity’s Mind Age clock, well-being report, and AI-driven recommendations. 

Our research shows that poor psychological state accelerates the aging process, surpassing even the harmful effects of smoking. Addressing mental health can significantly improve long-term health outcomes and reduce associated risks.

Continuous Underwriting

Continuous underwriting is rapidly becoming a reality as customer data from wearables and other non-intrusive sources becomes more accessible, allowing insurers to offer individualized policies. 

The key challenge for the insurance industry lies in synthesizing a wide range of health metrics into a unified model that can accurately identify individual risks and incorporate them into personalized underwriting for customized plans. 

The Blood Age clock simplifies this process by quantifying overall health into a single, actionable number while highlighting the risks associated with accelerated aging.

Technology

Seamless integration through APIs. Technology can be made available within existing app infrastructure of insurers in a white label fashion.