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LexisNexis® Health Intelligence

Fast-track underwriting decisions with the EHR for life insurance platform built for adoption at scale
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Make faster, more informed underwriting decisions—at scale

Electronic health records (EHRs) are critical to the future of life insurance underwriting. However, many life insurance carriers struggle to adopt EHRs at scale. Consequently, they don’t achieve their desired business outcomes. Why?

Two main hurdles keep carriers from leveraging EHRs at scale. One, underwriters don’t use them as often as possible. Two, it requires work to integrate EHRs into underwriting workflows. Neither obstacle is insurmountable. However, trying to solve them in-house requires time, resources and expertise that you may not have.

You don’t have to do it alone. LexisNexis® Health Intelligence, formerly Human API Health Intelligence, can help you jump those hurdles and break away from the pack. Our easy-to-read EHRs for life insurance carriers means underwriters actually use them. We’ve learned from experience what it takes to integrate EHRs at scale and have built those capabilities into our end-to-end solution. That means you don’t have to think about the intricacies of integrating EHRs—you can just get to work.

Leading carriers are taking the fast track with LexisNexis® Health Intelligence. Wouldn’t you like to join them?

The future of life insurance underwriting starts here

Accelerate underwriting decisions

Easy-to-read EHRs help underwriters make faster, informed decisions, with access to more data than you can get anywhere else.

Mitigate mortality slippage

Mitigate risk and price more accurately by leveraging clinical data elements such as tobacco use, BMI or other key conditions.

Improve the customer experience

Carve out a competitive advantage by offering a differentiated customer
experience—one that’s faster and less invasive.

Transform your underwriting function

Build confidence in deploying EHRs at scale—and explore other use cases to drive true business transformation.

79%

Carriers make decisions on an EHR up to 79% of the time, without ordering additional evidence

2x

Access to twice the data available from other vendors

9 days

Reduced cycle times by nine days for a top 10 global life insurance carrier

10%

Increased placement rates by up to 10% for a top 10 global life insurance carrier

LexisNexis® Risk Solutions, Internal Study, 2024.

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What makes the LexisNexis Health Intelligence platform different?

We’ve seen first-hand what it takes to adopt EHRs at scale. We've spent years solving the problems that get in the way, so you can get moving at speed. For example:

  • We can leverage both HIPAA-authorized and consumer-mediated consent paths. Our ability to source EHRs more broadly results in higher quality, broader data than leveraging a HIPAA-authorized network alone.
  • Traditional EHRs are long, duplicative and tedious to review. Our EHR is up to 30% shorter, while retaining all the clinical information underwriters need for quick, confident risk decisions.
  • EHRs from other vendors may not include the data you want. Before we close your order, our platform scans the data to ensure it meets your specific needs.
  • Distributors can’t be as effective if they don’t have visibility into the process. Our platform enables carriers to provide transparency and streamlined communication to their distribution partners.
  • Administrative tasks distract underwriters from value-added activities. If an EHR isn’t available, an underwriter would have to manually order an attending physician statement (APS). Our solution automatically fulfills the request for an APS through our affiliate, Human API, Inc., saving time and administrative burden.
  • More than just EHRs. By combining medical data with our unparalleled identity resolution and behavioral data assets, you can unlock more sophisticated risk assessment capabilities to help you more effectively manage risk.
 

 

Built for life insurance carriers. Built for scale.

EHRs are critical to many carriers’ long-term business goals, but achieving those goals requires much more than the ability to access EHRs. LexisNexis Health Intelligence provides the capabilities and expertise that life insurance carriers need to adopt EHRs at scale. That means they can accelerate risk decisions, mitigate mortality risk and deliver a differentiated customer experience—and ultimately, carve out a competitive advantage.

Don’t let hurdles trip you up. Join leading carriers on the fast track to adopting
EHRs at scale.

Insights and Resources

Future-proof your underwriting program

Keep pace with leading carriers by leveraging a hybrid strategy for EHRs that includes HIPAA-enabled and consumer-mediated consent networks.

Mortality Risk Management Study

Make more informed mortality risk management decisions by combining medical and non-medical data, uncovering hidden opportunities and risks.

Seven questions about consumer-mediated EHR networks

Can I make underwriting decisions with data from consumer-mediated EHR networks? Will affluent buyers participate? Get your questions answered.

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