Complex risk patterns only found with machine learning algorithms
Risk Score makes it possible to see unseeable risks, both high and low. Our prescription-based predictive model quantiﬁes the relative mortality risk of life insurance applicants from rich, high-quality data. You can combine its core Prescription Data input with Medical Data or Credit Data—or both—to get a single, multivariate score with even greater predictive value. This risk assessment supertool quickly executes within Irix to deliver a highly accurate score for each applicant (whether the risks are obvious or unintuitive), empowering underwriters to conﬁdently see what the human eye can’t.
Risk Score is trained on health data from our benchmark 2021 mortality study of unprecedented scope and size.
RGA has found that adding Credit Data to Risk Score enhances mortality risk prediction and is most powerful for segmenting mortality.Read the white paper
An independent reinsurer study by RGA proves the heightened value of our latest model, with and without Medical Data.Read the White Paper
Credit Data provides better risk segmentation with more lives and allows carriers to achieve higher straight-through processing with better mortality when it’s added to Risk Score, according to Munich Re’s study.Read the white paper
Munich Re confirms the addition of Medical Data to Risk Score 3.0 brings both risks and opportunities into sharper focus.Read the White Paper
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