Electronic Health Records are the key to life insurance underwriting. Why aren’t more life carriers using them?

 Answer: The carriers that deliver a simplified buying experience for most applicants with the best pricing that mitigates mortality slippage.

Electronic health records (EHRs) are essential to achieving that buying experience, but to date, EHRs aren’t used broadly in life underwriting. What’s holding carriers back from adopting EHRs more broadly? Leading carriers are leveraging a hybrid approach to EHRs that includes consumer-mediated routes—and that’s helping them offer a differentiated customer experience and maintain a competitive advantage.