Gain a competitive advantage with the right digital health data strategy

Electronic Health Records (EHRs) are an essential and strategic data asset in life insurance underwriting

The use of data and analytics has transformed the life insurance underwriting process by enabling a simpler, friction-free customer experience and more precise pricing and risk assessment. Electronic health records (EHRs) are the next notable data set with transformative potential. They offer speed and cost advantages over traditional evidence-based methods for securing an applicant’s medical data. Over the next few years, EHRs will become a fundamental component of the life insurance underwriting workflow – driven largely by the impetus for insurers to deliver a simplified buying experience with the best mortality and pricing for most applicants. Substantive adoption of electronic health records under the market’s current trajectory is still several years away, but insurers that embed EHRs into their underwriting workflows can realize a significant competitive advantage. 

The EHR Tipping Point: How to achieve widespread coverage for a majority of life insurance applicants

To keep pace with today’s trends and consumer demands and be competitive in the future, life insurance carriers need to adopt EHRs at scale. This tipping point to move the market most likely equates to at least 80% coverage, meaning that EHR data will be returned on eight of 10 life insurance applicants. Eighty percent has historically been the pivotal usage level with other new or emerging life insurance underwriting data sets like prescription history and non-medical data.

Future-proof your underwriting program

A competitive advantage is around the corner for carriers with the right life insurance underwriting strategy.

This tipping point to move the market most likely equates
to at least 80% coverage

To accelerate timelines and achieve 80% coverage, life insurers need a strategy for obtaining health record data that taps into all of the various types of available networks, including:

  • Health Information Portability and Accountability Act (HIPAA)-enabled networks and  
  • Consumer-mediated networks  

Challenges we help life insurance carriers address: 

  • How to incorporate a consumer-mediated approach into your EHR strategy
  • Best ways to integrate EHRs into your underwriting workflow
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The importance of a hybrid 

strategy to EHR adoption

While HIPAA-enabled networks are more widely-used and accepted, they only represent a portion of the market, and the health care system is evolving in a direction that will make HIPAA-enabled networks less relevant in the future. By contrast, consumer-mediated networks are projected to expand significantly in the next few years, largely driven by consumer preferences and government regulations. That’s why it’s important for insurers to also implement a consumer-mediated strategy for securing digital health data. A combined approach can help increase coverage rates and support accelerated underwriting programs – offering the highest potential to move the market quickly and substantially. 

Access these resources to help you shape an EHR strategy that provides the consumer experience applicants want and offers you a competitive advantage:


The market is changing. Are you positioned for growth? Get the insights you need for the right EHR strategy.


Learn five key reasons why electronic health records are so critical for life insurance underwriting.

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