Accelerated Underwriting Technology for Life Insurance
What if your underwriting pipeline could capture real physiological signals instead of relying solely on self-reported questionnaires? Circadify delivers biometric data from a 30-second smartphone scan, enabling accelerated and instant-issue programs that satisfy reinsurer requirements.
Why Choose Us
Advanced rPPG technology that transforms any camera into a health monitoring device
Real Biometric Data Collection
Capture heart rate, heart rate variability, and hemodynamic signals directly from applicants via smartphone camera. These are objective physiological measurements, not self-reported answers, giving underwriting teams a richer data foundation for risk assessment.
Instant-Issue Enablement
Biometric signals collected in 30 seconds can support same-day policy issuance for qualifying applicants. Reduce the weeks-long wait associated with paramedical exams and fluid collection while still providing measurable health indicators to your actuarial models.
Fluidless Underwriting Programs
Eliminate the cost and friction of blood draws and urine tests for eligible risk tiers. Smartphone-based biometric scanning provides an alternative data layer that can support fluidless underwriting without reducing the quality of health signals available to your team.
Reinsurer-Ready Data
Structured biometric output designed for integration into treaty discussions and reinsurer evaluation processes. Provide your reinsurance partners with objective health telemetry that demonstrates program rigor beyond questionnaire-only approaches.
Underwriting Automation Integration
Biometric scan results feed directly into automated underwriting engines and decision platforms via API. Accelerate straight-through processing rates by adding real physiological data points to your existing rules-based or algorithmic workflows.
Applicant Privacy by Design
Biometric scans process on the applicant's device with no facial video transmitted to external servers. This architecture simplifies data governance, reduces regulatory exposure, and builds applicant trust during the policy application process.
See How Biometric Data Strengthens Underwriting
Learn how real physiological signals can enhance your accelerated underwriting programs and satisfy reinsurer requirements.
View Insurance SolutionsAccelerated Underwriting Scenarios
How leading carriers and reinsurers are applying biometric data to underwriting programs
Accelerated Issue for Term Life
Integrate biometric scans into the term life application flow to triage applicants into accelerated and traditional pathways. Applicants who pass biometric thresholds can receive offers in hours rather than weeks, improving placement rates and reducing cost per policy.
Faster time to policyFluidless Programs for Low-Face-Amount Policies
Replace paramedical exams with smartphone-based biometric collection for policies under defined face-amount thresholds. Reduce acquisition costs per policy while providing actuarial teams with measurable health indicators beyond application questionnaire responses alone.
Lower acquisition costReinsurer Treaty Modernization
Present structured biometric data to reinsurance partners as part of treaty discussions for accelerated programs. Objective health telemetry from smartphone scans provides reinsurers with the data confidence needed to support expanded straight-through processing limits.
Reinsurer confidenceContactless vitals technology for healthcare, insurance, and security
Get in Touch
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Ready to Evaluate Biometric Underwriting Data?
Download our actuarial whitepaper and see how real biometric signals from smartphone-based rPPG scans can strengthen your accelerated underwriting programs, support fluidless initiatives, and satisfy reinsurer data requirements.