Insurance Underwriting
Modernize Underwriting with Contactless Health Data
Traditional underwriting relies on paramedical exams that are expensive, slow, and frustrating for applicants. rPPG technology enables insurers to capture objective health metrics in 60 seconds through any smartphone or webcam -- no appointments, no equipment, no friction.
By integrating contactless vital signs into the application process, insurers can accelerate underwriting decisions, reduce costs, and deliver a dramatically better applicant experience.
Benefits for Insurers
Reduce Exam Costs
Paramedical exams cost $80-150+ each. Contactless screening costs a fraction and identifies candidates who may not need full exams.
Faster Processing
Applicants complete assessments in minutes, not days. No scheduling, no waiting for paramedics, no mailing samples.
Better Applicant Experience
Applicants strongly prefer camera-based assessments over paramedical visits. Improved experience means higher completion rates and customer satisfaction.
Risk Stratification
Quickly identify applicants with elevated vital signs who may need additional review or traditional exams, enabling smarter triage.
Scalable Screening
Assess thousands of applicants simultaneously without scheduling logistics. No paramedic availability bottlenecks.
Data-Driven Decisions
Objective physiological data complements self-reported health questionnaires for more accurate risk profiles.
Fits Your Underwriting Workflow
Applicant Receives Link
During the application process, the applicant receives a secure link to complete a contactless health assessment from any device with a camera.
60-Second Assessment
The applicant faces their camera for a brief scan. rPPG technology extracts heart rate, HRV, respiratory rate, and other vital signs without any physical contact.
Results Returned
Vital signs data is securely transmitted to your underwriting system via API, formatted for your existing workflows and rules engines.
Intelligent Triage
Your rules engine determines whether the applicant can proceed with accelerated underwriting or needs additional data collection such as a paramedical exam.
ROI Calculator
Insurance Use Cases
Life Insurance Screening
First-pass health assessment for life insurance applicants. Identify low-risk individuals who can bypass paramedical exams entirely, accelerating time-to-policy.
Health Insurance Enrollment
Capture baseline vitals during open enrollment or new member onboarding. Build population health profiles without requiring in-person visits.
Policy Renewal Assessment
Periodic health checks at renewal time to update risk profiles. Track health trends across policy periods for more accurate renewal pricing.
Claims Verification
Supplement claims investigation with objective physiological data. Verify health status remotely during the claims process.
Vitals Relevant to Underwriting
| Vital Sign | Underwriting Relevance | Risk Indicator |
|---|---|---|
| Resting Heart Rate | Cardiovascular fitness and baseline health indicator | Elevated RHR may signal deconditioning or cardiac risk |
| Heart Rate Variability | Autonomic nervous system health and stress resilience | Low HRV associated with higher all-cause mortality |
| Respiratory Rate | Pulmonary health and respiratory function | Abnormal rates may indicate respiratory conditions |
| Blood Oxygen (SpO2) | Oxygenation status and cardiopulmonary health | Low SpO2 may indicate pulmonary concerns |
| Stress Index | Composite indicator of autonomic balance and stress load | Chronically elevated stress linked to multiple conditions |
Insurance Underwriting FAQ
Common questions about contactless vitals for insurance underwriting
How accurate is contactless vitals for underwriting?
For underwriting risk stratification, trend data and relative positioning matter more than traditional methods. Contactless vitals can help identify applicants with elevated heart rate, abnormal heart rhythm patterns, or concerning vital sign profiles. The technology provides vitals data that can supplement traditional screening workflows.
Can this replace the paramedical exam?
For many low-to-medium risk policies, contactless vitals can reduce or eliminate the need for paramedical exams. High-value or high-risk policies may still benefit from traditional exams, but contactless screening serves as an effective first-pass triage that can accelerate decisions for the majority of applicants.
How do applicants respond to camera-based assessments?
Applicants strongly prefer camera-based assessments over traditional exams. No appointment scheduling, no waiting for a paramedic, no needles, and no inconvenience. Insurers using contactless screening report significantly higher application completion rates and improved Net Promoter Scores.
What about regulatory compliance for insurance?
Contactless vital signs can be used as part of underwriting data collection. The data is collected with applicant consent and transmitted securely. We recommend consulting with your compliance team about specific regulatory requirements in your state and product lines. Circadify maintains SOC 2 compliance and offers BAA agreements.
How does this integrate with existing underwriting platforms?
Circadify provides RESTful APIs and webhook integrations that connect with leading underwriting platforms and rules engines. Data can be delivered in standard formats compatible with your existing workflows. Our team provides integration support to ensure seamless deployment.
What vital signs are captured during the assessment?
The 60-second assessment captures heart rate, heart rate variability (HRV), respiratory rate, blood oxygen estimation (SpO2), and stress indicators. These metrics provide a comprehensive snapshot of cardiovascular and autonomic health relevant to risk evaluation.
Ready to Modernize Your Underwriting?
See how contactless vital signs can reduce exam costs, accelerate decisions, and improve applicant satisfaction for your insurance products.
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