LexisNexis® Life Target Evaluator

See mortality risk earlier—so you can align your acquisition efforts to life insurance prospects who fit your risk guidelines

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Get an early view of mortality risk—before a life insurance application begins

Many U.S. life insurance carriers lack early visibility into critical mortality signals, making it difficult to make confident acquisition decisions. Generic or self-reported data often fails to distinguish between look-alike prospects—some aligned with your goals and others who are not.

With LexisNexis® Life Target Evaluator, you gain an early, individual-level view of a prospect’s mortality risk profile at the point of marketing. Built on insurance-specific performance data, this non-FCRA model helps you align your customer acquisition efforts toward life insurance prospects who better fit your acquisition strategy and long-term growth goals.

Align acquisition choices with your risk appetite

See mortality signals sooner

Get a more complete view of each life insurance prospect at the point of marketing

Reduce waste early

Spot misaligned prospects before you commit effort or budget

Prioritize the prospects who fit

Focus your team’s attention on life insurance prospects who fit your risk guidelines

Strengthen long-term performance

Build a healthier book by aligning acquisition with risk guidelines

See meaningful differences in mortality risk across life insurance prospects

Two individuals may appear similar on paper but have different mortality risk profiles that demographic or self-reported data can’t reveal.

Life Target Evaluator groups prospects into 10 deciles based on A/E ratio, which compares observed mortality to what’s normally expected for similar individuals. This helps you see which segments have higher or lower mortality risk.

Our performance data shows the three riskiest deciles have A/E ratios greater than one —and together, contain more than 50% of consumers with higher-than-expected mortality.¹

With visibility into these differences at the point of marketing, you can prioritize prospects who better fit your risk guidelines and long-term growth goals.

1 Source: LexisNexis® Risk Solutions, Internal Study, 2025

Put mortality insight to work across your acquisition workflow

How does Life Target Evaluator help give you a clearer view of mortality risk at the point of marketing?

Life Target Evaluator uses mortality risk modeling to surface early signals you can act on at the point of marketing. A mortality risk score and decile ranking give you flexibility in how you segment prospects.

Understand mortality risk earlier:

	See mortality signals sooner Make more confident decisions with a non-FCRA mortality projection model designed for point-of-marketing decisions.
	Gain individual-level clarity Look beyond demographic or self-reported inputs to gauge how well a prospect aligns with your risk guidelines.
	Act on insurance-specific intelligence Surface performance patterns not visible in internal or generic data.

How does Life Target Evaluator help give you a clearer view of mortality risk at the point of marketing?

Understand mortality risk earlier:

	See mortality signals sooner Make more confident decisions with a non-FCRA mortality projection model designed for point-of-marketing decisions.
	Gain individual-level clarity Look beyond demographic or self-reported inputs to gauge how well a prospect aligns with your risk guidelines.
	Act on insurance-specific intelligence Surface performance patterns not visible in internal or generic data.

How does Life Target Evaluator help prioritize prospects that better fit your risk guidelines?

Life Target Evaluator can give you a view into a potential customer’s mortality risk early enough to influence marketing spend, routing and prioritization decisions across paid and organic channels.

Align acquisition with your risk appetite:

	Improve list build, append and retargeting Enrich lists with individual-level mortality risk insight to support clearer segmentation and outreach decisions.
	Improve inbound routing Direct organic leads toward the right agent or channel.
	Guide acquisition decisions Decide which individuals to pursue, bid on or suppress based on mortality risk scoring.

With earlier visibility into each prospect’s life insurance risk profile, you can make more intentional choices about where to invest your marketing budget.

How does Life Target Evaluator help prioritize prospects that better fit your risk guidelines?

Align acquisition with your risk appetite:

	Improve list build, append and retargeting Enrich lists with individual-level mortality risk insight to support clearer segmentation and outreach decisions.
	Improve inbound routing Direct organic leads toward the right agent or channel.
	Guide acquisition decisions Decide which individuals to pursue, bid on or suppress based on mortality risk scoring.

With earlier visibility into each prospect’s life insurance risk profile, you can make more intentional choices about where to invest your marketing budget.

How does Life Target Evaluator work with other customer acquisition solutions to give a more complete view of life insurance prospects?

On its own, Life Target Evaluator gives you an earlier view of mortality risk. Combine it with meaningful timing context and other predictive models to gain a more complete view of which prospects are worth engaging.

Combine mortality insight with retention and life event signals:

	LexisNexis® Life Attrition Model Understand which life insurance prospects are more likely to stay. Use it with Life Target Evaluator to gain visibility into prospects with the greatest lifetime value potential.
	LexisNexis® Life in the Market Insights Identify when a potential customer may have experienced a death within their personal network—making them more receptive to life insurance offerings.

The more you know about a prospect, the better you can direct spend and effort toward those who align with your long-term growth goals.

How does Life Target Evaluator work with other customer acquisition solutions to give a more complete view of life insurance prospects?

Combine mortality insight with retention and life event signals:

	LexisNexis® Life Attrition Model Understand which life insurance prospects are more likely to stay. Use it with Life Target Evaluator to gain visibility into prospects with the greatest lifetime value potential.
	LexisNexis® Life in the Market Insights Identify when a potential customer may have experienced a death within their personal network—making them more receptive to life insurance offerings.

The more you know about a prospect, the better you can direct spend and effort toward those who align with your long-term growth goals.

LexisNexis® Life Target Evaluator is not provided by “consumer reporting agencies,” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and does not constitute a “consumer report,” as that term is defined in the FCRA. Accordingly, LexisNexis® Life Target Evaluator may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA.LexID® is not provided by “consumer reporting agencies,” as that term is defined in the Fair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and do not constitute “consumer reports,” as that term is defined in the FCRA. Accordingly, LexisNexis® LexID may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or for any other eligibility purpose that would qualify it as a consumer report under the FCRA. Due to the nature of the origin of public record information, the public records and commercially available data sources used in reports may contain errors. Source data is sometimes reported or entered inaccurately, processed poorly or incorrectly, and is generally not free from defect. This product or service aggregates and reports data, as provided by the public records and commercially available data sources, and is not the source of the data, nor is it a comprehensive compilation of the data. Before relying on any data, it should be independently verified. LexisNexis, the Knowledge Burst logo, LexID are registered trademarks of RELX Inc., used under license. Copyright © 2021 LexisNexis.

Don't wait to learn who fits your risk appetite - see mortality risk before you invest.

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LexisNexis® Life Target Evaluator

Get an early view of mortality risk—before a life insurance application begins