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.

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Sikka Health 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.

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Blood Disease
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Kidney Disease
Liver Disease

Download the Sikka Health Indicators™ One-Pager

Sikka Tobacco Indicator­™

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).

1-Minute Video: How Sikka Insights Is Thwarting “Smoking Liars”

A segment from Sikka’s webinar:
Smoking Gums - Using Oral Care Data to Identify Self-Reported Misinformation for Life Insurance

Watch the full webinar

Sikka Tobacco Indicator­™ & Munich Re Study

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.

Contact us

To learn more about Sikka and Insurance, please reach out to Lewis Goldman,
leader of our Sikka Insights – Insurance business.

Lewis Goldman

Lewis Goldman

Sikka Insights – Insurance


Lewis Goldman has over 20 years of experience in insurance and financial services, leveraging data for disruptive innovation across a variety of products and services, and is leading Sikka Software’s Insurance business. Before working with Sikka, Lewis served as executive of LendKey Technologies, a FinTech company. Prior to LendKey, Lewis worked for several years in insurance, including as head of marketing and product for Global Life Distribution and the MetLife direct to consumer life insurance business. He brings a track record of success nurturing and scaling businesses through marketing, new products, new channels of distribution, partnerships, and cross-sell at companies where he worked including Citigroup, LinkedIn,, Amazon, New York Life, and several FinTech and InsurTech startups. Lewis currently teaches marketing at St. Johns University, and is a graduate of Harvard University and Columbia Business School.