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August 28.2025
3 Minutes Read

Transforming Automated Underwriting: ExamOne Partners with RGA for Enhanced Risk Identifier®

Red RGA logo representing automated underwriting.

Redefining Underwriting Efficiency with ExamOne and RGA

In today's fast-paced world, where efficiency and accuracy are paramount in underwriting processes, ExamOne has taken a significant step forward by collaborating with the Reinsurance Group of America (RGA) to enhance their innovative Risk Identifier® tool. By integrating expert-designed rules, this newly improved tool addresses the real-world challenges that underwriters face, enabling them to better meet accelerated workflows while maintaining accuracy in risk assessments.

What is Risk Identifier®?

The Risk Identifier® tool is an advanced solution that facilitates automated underwriting programs by utilizing real-time health data to classify risk. By incorporating leading health data elements such as ICD Codes, LOINC codes, and prescription identifiers like ScriptCheck and LabPiQture, it provides underwriters with a unified risk signal. This means that underwriting teams can now:

  • Instantly classify risk
  • Surface contributing risk factors for explainable decision-making
  • Reduce the need for traditional APS reviews
  • Identify hidden high-risk or low-risk profiles early in the application process

Emphasizing Precision for Better Outcomes

The recent enhancements brought by RGA aim to make the Risk Identifier even more user-friendly and aligned with the human-centric values of the underwriting process. Justin Doolittle, director of product development for ExamOne, emphasizes that this collaboration introduces a condition-focused approach, improving the decision logic based on nuanced health concerns. This focus shifts the paradigm from broad indicators to a more detailed analysis of individual health conditions, ultimately helping to support faster and more accurate underwriting decisions.

Leveraging Data Science to Quantify Risk

Another critical component of the enhanced Risk Identifier is its incorporation of cutting-edge data science techniques. The tool quantifies mortality impacts and identifies interactions between laboratory results, prescription histories, and diagnosis histories, aligning closely with underwriting manuals. This improvement fosters confidence and transparency, allowing underwriters to make informed decisions without sacrificing compliance or accuracy.

A Practical Approach to Modern Challenges

As underwriting needs evolve, the Risk Identifier provides a cutting-edge solution to meet these challenges. It empowers underwriters to keep pace with changing expectations, an essential feature for legacy-minded leaders and family-first entrepreneurs who prioritize both efficiency and accuracy. By adopting this advanced technology, underwriters can streamline their processes, enhance client trust, and ultimately drive growth in their organizations.

The Future of Underwriting: Insights from RGA’s Expertise

RGA's involvement highlights the ongoing trend towards tech-driven insurance solutions. With the integration of RGA's underwriting insights, ExamOne's Risk Identifier is poised to lead the way in redefining how underwriting is approached, making it not just faster but also more aligned with the nuanced realities of individual health scenarios. This technology promises to bridge the gap between artificial intelligence and the human touch that is so vital in the underwriting process.

In conclusion, the enhancements to ExamOne's Risk Identifier represent a pivotal moment in the evolution of automated underwriting. Leaders looking to invest in the future of their businesses should consider how these innovations can improve efficiency and help achieve a healthier work-life balance while building sustainable family wealth. As the insurance industry continues to embrace advancements in risk assessment technology, those who adapt will thrive.

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How Employee Experience Transforms Client Satisfaction and Drives Business Growth

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Global Information Outage and Its Impact: What Legacy Leaders Should Know

Update The Global Information Outage: What You Need to Know On July 19, 2024, a global information outage disrupted numerous services and operations across various sectors, leaving many to navigate the fallout. Thankfully, organizations like Quest and ExamOne have been proactive in addressing these issues promptly and effectively. Quick Recovery Efforts Following the outage, Quest and ExamOne have swiftly brought their systems back online. Although operations have largely resumed, some customers should expect delays in laboratory turnaround times as teams finalize the restoration of complete functionality. Despite these hiccups, the commitment to customer service remains strong; applicants can still visit ExamOne offices and Patient Service Centers (PSC) during regular hours. Anticipating Higher Traffic: What This Means for You As life returns to normal, it’s important for clients and applicants to prepare for potential wait times. Many PSCs will extend their hours to accommodate the influx of rescheduled appointments. For legacy-minded leaders and family-first entrepreneurs, understanding these dynamics can aid in planning your commitments effectively. Communication During Crisis: A Key to Success In emergencies like this one, effective communication is crucial. ExamOne urges anyone with questions to reach out directly to their representatives. This level of transparency helps build trust, especially important for faith-driven founders who value communication as part of their leadership style. The Implications for Legacy and Wealth Management For those interested in long-term legacy and wealth management, the outage serves as a reminder of how interconnected our services have become. In times of disruption, maintaining open lines of communication and having contingency plans in place can considerably impact family wealth and entrepreneurship lifestyle. Future Predictions: Trends Emerging from this Outage This incident highlights a broader trend in the importance of data security and information management. As technology continues to evolve, businesses may need to adapt their strategies to ensure they can withstand similar challenges in the future. Building resilience in your operations can benefit both current and future business landscapes. As we navigate this recovery phase, it’s vital to reflect on how we can be better prepared for the unexpected. Now, more than ever, focusing on work-life balance and community interaction can ensure that we maintain both personal and professional stability amidst uncertainties.

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