Insurance Resources
Sikka Indicators One Pager
Sikka's indicators, in conjunction with ExamOne’s HealthPiQture™ platform, can help determine the appropriate risk class or adjustment based on the applicant's health risk indicators and allows for confident decision-making.
Munich Re Study
This paper explores some of the relationships between oral health and overall health, the impact of poor oral health on mortality as mediated through smoking status, and new sources of underwriting data related to dental records, specifically the Tobacco Score from Sikka Software Corporation.
Sikka Oral Care and Mortality Studies
A list of terms and references used in Sikka's Oral Care and Mortality studies.
Sikka Health Indicators And Risk Score White Paper
This paper from 2022 outlines how Sikka has been improving the efficiency of the underwriting process by using machine learning to extract useful information from dental data.
ExamOne Oral Healthcare Indicators
This study, conducted by ExamOne, determines the accuracy (based on other data sources) of oral healthcare data and the lift it provides for underwriters. This paper further details how ExamOne is using Sikka’s new oral health indicators to empower life insurers to identify conditions not otherwise detectable in existing data sources.
Sikka LECA White Paper 2022
Since 2019, Sikka has been working with life insurance and reinsurance companies to perform retrospective analysis on millions of applicants with authorization and has refined the Life Expectancy at Current Age (LECA) score, a predictive risk score based on a correlational analysis that measures a patient’s mortality risk based on their dental procedure history.