Accurately determine life insurance policies
Use our indicators to assist in determining the proper life insurance policy based on the applicant’s health risk indicators.
Use our indicators to assist in determining the proper life insurance policy based on the applicant’s health risk indicators.
Sikka has identified ten health indicators from opt-in, consent-based data, derived from more than 139M+ unique records. These indicators have a wide range of analyzing various symptoms as well as potential health risks, which correlate with our US patients in our database, providing extensive data to accurately pinpoint these risks and assess the indicators accordingly.
Our indicators will assist on determining the proper life insurance policy based on the applicant’s health risk indicators, ensuring that premiums are only applied where needed without the expense of other “less risk” life insurance policy holders.
The Sikka Tobacco Indicator™ is generated for an individual based on his or her dental clinical notes and completed oral health evaluations, which have been fed through a machine-learning model. Sikka’s patient records are assigned to one of two classes: tobacco user (T) or no evidence of tobacco use (NE).
A segment from Sikka’s webinar:
Smoking Gums - Using Oral Care Data to Identify Self-Reported Misinformation for Life Insurance
Munich Re is a leading global provider of reinsurance, primary insurance & insurance-related risk solutions.
In 2019, Munich Re performed a validation of Sikka’s Tobacco Score using insured records. Research confirms that information about dental health can be informative about overall health, and products such as Sikka’s tap into this alternative source of information. Munich Re recommends each carrier perform a retrospective study to best assess the value and application of the Sikka Tobacco Score on its company-specific insured population.
To learn more about Sikka and Insurance, please reach out to Lewis Goldman,
leader of our Sikka
Insights – Insurance business.
Sikka Insights – Insurance
Email
