Curv – Select uses machine learning to predict a group’s potential LTD or life insurance claims at time of underwriting or renewal, based on its members’ deidentified, real-time prescription histories. In minutes, you can elect to decline or pursue a group, and then price it appropriately. All you need is a simple group census—no HIPAA authorizations required.
Retrospective studies consistently show that Curv outperforms traditional underwriting in mortality and morbidity risk stratification and benefit-to-cost outcomes. Without Curv – Select, you could miss the data-driven edge you need to win more business and improve profitability:
Curv’s consistently superior insight helps you win more groups at the right price so you can strategically manage risk—and profit—across your entire book.
Whether you are underwriting group life or long-term disability insurance, Curv – Select’s real-time health insight will improve your risk assessment, underwriting efficiency and workflows, and customer retention. Schedule a demo to see more.
Milliman’s Curv® products are protected by U.S. patents.
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