LexisNexis® Risk Classifier

Better stratify risk and minimize costly and invasive requirements with LexisNexis® Risk Classifier

Risk Classifier


Our advanced risk assessment solution gives underwriters a robust view of life insurance customers without invasive application requirements.

See beyond the obvious: LexisNexis Risk Classifier utilizes attributes from public records, driving history and credit, which are distilled into a numeric risk score so you can triage and make better informed accelerated underwriting decisions.

Reduce time finding life risk score

Make advanced risk assessments more precisely in near real time
discover complex mortality models

Ensure underwriters see the cases that need their valuable expertise
save time with accelerated underwriting

Save time and resources with an accelerated underwriting process
less invasive for accelerated underwriting

Improve the customer experience by offering a simpler, less invasive, and faster process

data sources contribute to mortality model

Utilize industry-leading data — billions of public records and 10,000+ data sources
custom thresholds to identify life insurance applications

Customize thresholds to fit your needs and identify complex applications
batch format for multiple life risk scores

Use in either system-to-system and batch formats
connect data for accelerated underwriting

Connect data for more intelligent insights with our patented linking technology, LexID®

LexisNexis® Risk Classifier provides you with a numeric score that corresponds to a proposed insured’s risk profile, so you can make more consistent, informed underwriting decisions, optimize underwriting spend and price policies more competitively — all things that allow you to bring your customers faster, more convenient service.

Ready for the next-generation life mortality model?

Improve your risk assessment by adding medical data (prescription history, medical diagnoses and clinical lab reports) into one streamlined mortality model.

 >> LexisNexis® Risk Classifier with Medical Data

young woman completing life insurance application

Featured Content


See how you can create a more comprehensive picture of potential insureds


Learn how to integrate LexisNexis Risk Classifier into your underwriting workflow

LexisNexis® Risk Classifier is a consumer reporting agency product provided by LexisNexis Risk Solutions and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. 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. LexisNexis, the Knowledge Burst logo, are registered trademarks of RELX Inc., used under license.

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