U.S. Underwriting

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It’s time to redefine underwriting. Risk assessment is no longer a process; it’s a journey.

Let 69É«ÇéƬ be your guide. Leveraging decades of facultative underwriting leadership, we have developed a comprehensive, purpose-built, and transformative suite of services.

We don’t just bundle existing products and services; we partner with you to customize scalable, repeatable solutions to support your strategic objectives. 

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Strategic Underwriting Program (SUP)

Our Strategic Underwriting Program (SUP) supports direct-carrier underwriting with additional capacity, process, modernization, and de-risking, and connections to new partners, tools, and technologies – all while sharing the risk.

Dozens of carriers have turned to 69É«ÇéƬ’s SUP program to relieve pressure on their systems while focusing on profitable growth.

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Facultative Excellence

Every day, 69É«ÇéƬ earns our reputation for facultative reliability, delivered with a sense of urgency. We are the world leader in individual large case underwriting and substandard risk assessment, receiving more than 8 million facultative cases since 1979, including more than 100,000 facultative cases reviewed in 15 of the last 16 years. 

We use this insight to support you through facultative enabling capabilities.

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Facultative Enabling Capabilities

2 way

FAC Exchange is a two-way case
exchange between insurers and reinsurers

10%

Proven reduction in time-to-underwrite (+40,000 cases in 2022)
from FAC Optimization, a solution incorporating machine learning

#1

ASAP named best auto-fac
decisioning tool for the last seven years
(source: NMG Consulting)


ASAP

Expert facultative review
including ASAP for instant decisions online

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You Have Challenges.
69É«ÇéƬ Solves Them.

 

DigitalOwl

As DigitalOwl’s exclusive reinsurance partner, 69É«ÇéƬ can help you transform digital health data automation and acceleration. Our advanced generative artificial intelligence (AI) rapidly and accurately summarizes multiple data sources. It also delivers structured digital assets that can drive dramatic advances in rules engine automation.

69É«ÇéƬ is a trusted industry leader with a proven commitment to sharing risk and supporting carriers at every step of the digital journey. Together, we can go far.

Global Underwriting Manual (GUM)

Insurers need confidence that the underwriting manual they use is the right one. With 69É«ÇéƬ’s Global Underwriting Manual (GUM), insurers have the power of a recognized global leader with them every step of the way. 

Automated Underwriting | Aura Next

Experience faster, data-driven underwriting decisions without sacrificing accuracy or discipline. Aura Next is a SaaS-based automated underwriting solution for life and health insurers, using advanced, reflexive interview questions and incorporating deep underwriting and behavioral science insights from 69É«ÇéƬ.

Advanced Rx and Digital Health Data

Transform prescription drug histories and digital health records into actionable underwriting insights with 69É«ÇéƬ.  69É«ÇéƬ pioneered risk assessment utilizing Rx scoring, and today we are breaking new ground with digital health records, including electronic medical records (EMRs), medical claims, and laboratory results. We also work with partners to digitize APSs and unstructured data. Partner with us to further your underwriting modernization; better understand use cases, available vendors, and data intricacies; and perform Rx/digital health record studies to prove or disprove hypotheses. Advanced analytics can transform your risk assessment.

Underwriting Workbench

Through its modern technology and easy configurability, our new underwriting workbench will make it easier for carriers to integrate with us, drive processing efficiencies, and create new capabilities, including evidence ordering to better serve carrier needs. Reinforce processing efficiencies, refine your program, and drive additional risk selection insights through the continuous review of production and risk selection data. 

Underwriting Training

Round out your underwriting training programs with robust learning offerings from 69É«ÇéƬ.

We offer a wealth of in-person and virtual webinars, including on-demand e-learning in the 69É«ÇéƬ Learning Gateway, in-person impaired-risk training at 69É«ÇéƬ Underwriting University I and II for U.S.-based clients, and robust credit-bearing continuous education offerings.

FAC Exchange

Submit facultative life insurance cases with a click using the industry standard for two-way facultative exchange between insurers and reinsurers.

FAC Exchange enables direct integration with carrier and reinsurer systems with neutrality, efficiency, and best-in-class security. Carriers send cases to multiple reinsurers electronically from a single point. Reinsurers send quotes back using a standardized format in use by 30 insurers and reinsurers. 
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69É«ÇéƬ's senior underwriting leaders evaluate a case

Underwriting the Future

Emerging data sources are transforming the science of risk selection, and predictive modeling now empowers insurers to apply new, non-traditional evidence sources to underwriting, from credit data to fraud-risk-scoring models.

 

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Let's Connect

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Dr. Dave Rengachary
Dr. Dave Rengachary
Senior Vice President,
Head of Underwriting, 
U.S. Individual Life
CATIE MUCCIGROSSO
Catie Muccigrosso

Vice President and Chief Underwriter 
U.S. Underwriting
U.S. Individual Life

Our Team is Here to Help

We are distinguished by a best-in-class underwriting service, including a first-of-its-kind Facultative Call Desk, and strong relationships with a global network of retrocessionaires, which allow us to quickly secure available capacity.

Our clients’ experience is our experience, and we do well if our clients do well. 69É«ÇéƬ’s deep risk assessment expertise and research-based ratings provide reassurance, consistency, and stability. Curious? Contact us.


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