Insurance

Accelerated underwriting with a 30-second selfie.

Life and health insurers use SmartScanPro to capture objective biometric signals at application, renewal, and wellness-program touchpoints. Tighter risk tiering, fewer paramed visits, faster issue times — and not a single frame of video ever leaves the applicant's device.

Talk to our insurance team See validation studies
RISK TIER A Preferred Sub-standard cleared Mortality risk −12% vs. cohort baseline
Where it fits

Four places a face-scan moves the loss ratio.

Accelerated underwriting

Insert a face-scan step into your digital application between the MIB pull and the paramed decision. Clean resting HR, HRV, respiration, and wellness-BP give your pricing engine a biometric signal it has never had at point-of-sale. Issue decisions on low-risk applicants in minutes — not the 3-to-6 weeks a fluid-draw round-trip takes.

Life & health

Risk re-tiering at renewal

Offer existing policyholders an annual voluntary scan in exchange for premium credits or plan upgrades. The signal lets you move improving members into better tiers without a full rewrite, and flag deteriorating cohorts for case-management outreach before claims spike.

Renewals

Wellness & engagement programs

Embed scanning into your member app alongside step counts and food logs. Unlike self-reported data, biometrics cannot be gamed — so the incentive dollars you spend on wellness credits actually move health outcomes. Programs see 3–4× higher ongoing participation than step-only rewards.

Member engagement

Fraud & misrepresentation

Pair each scan with on-device liveness and presentation-attack detection to confirm a live human is in front of the camera. Flag cases where declared health status is implausible against measured vitals — resting HR of 48 bpm from a self-declared sedentary smoker, for example — and route those to a human underwriter.

Fraud
Measured impact

Risk distribution shifts when you can measure, not just ask.

Portfolio simulation across 180,000 life-insurance applications. Adding a face-scan biometric signal pulls mass out of the middle tiers and classifies each applicant more confidently at the edges — which is exactly where pricing leverage lives.

  • 11% more preferred-plus placements
  • 9% fewer misclassified standard-risk cases
  • Cycle time from 18 days to under 2 hours on straight-through cases

Applicant risk-tier distribution — with vs. without face-scan

Validation you can hand to the actuary

Signals that hold up under audit.

±2.1
HR MAE vs ECG (bpm)
±3.4
HRV MAE (ms)
0.91
Wellness-BP correlation
11%
Preferred-plus lift
60×
Faster cycle time
0
Frames of PHI stored
SOC 2
Type II audited
4
Peer-reviewed papers
Privacy posture

Built for compliance teams, not around them.

  • On-device inference — raw video never reaches our servers
  • HIPAA-ready with a signed BAA and zero PHI storage
  • GDPR, CCPA, and NAIC Model Bulletin 2023-4 aligned
  • Per-field confidence attached to every vital so underwriters can set auto-accept thresholds
  • Full audit trail: who scanned, when, on which device, under what SDK version

"We shaved 14 days off our straight-through pipeline and we're placing materially more applicants into preferred-plus. The regulator review went through clean because nothing ever leaves the applicant's phone."

— Rebecca Oduya, VP Underwriting, Northwind Life

"Our wellness-program NPS went up 22 points the quarter we added the scan. Members feel like they're getting something tangible back for the premium credits."

— David Kim, Head of Member Experience, Vantage Health Plans

Run a pilot on a slice of your book.

We will stand up a SOC 2 / HIPAA-compliant pilot environment, backtest against your own historical applications, and put the numbers in front of your CRO.

Book a pilotValidation papers