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See Risk Score LTC in your underwriting workflow.
Irix
Risk Score | LTC
Instantly see LTC risk clearly—before you spend time underwriting it.
See risk sooner, act with confidence, and focus underwriting effort where it makes the biggest difference.
Irix Risk Score LTC models individual risk using each applicant’s real-world health history, bringing proven predictive performance from life and medical underwriting into long-term care (LTC) insurance.
Built on five million life-years of LTC experience from Milliman LTC Advanced Risk Analytics (Milliman LARA®), the model uses Irix Prescription and Medical Data to generate an LTC-specific risk score for more than 90% of applicants.
The result is a simple, numerical risk score delivered at the point of review. Underwriters can quickly identify the clearest accepts and declines and focus their time where it matters most: the middle cases that drive long-term portfolio performance.
What you may be missing without Risk Score LTC
- Experience grounded in millions of LTC lives
- Instant LTC risk assessment based on actual health history
- More efficient use of accelerated underwriting
- A consistent risk metric across life and LTC
Make better decisions, faster
Risk Score LTC integrates easily into accelerated workflows, helping teams move faster without losing discipline in risk selection.
In pilot studies based on real underwriting decisions, carriers are seeing faster case handling, more consistent review outcomes, and better alignment of underwriting effort to risk.
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