Post Life Insurance November 14, 2025 The future of underwriting runs on data you can trust Why the life insurance industry’s next transformation depends on real-time, high-quality health, wearable, and claims data—and a partner with proven expertise Underwriting is constantly evolving—from manual evaluation and rules engines to data-driven, tech-enabled decisioning. But transformation in the industry doesn’t come from algorithms alone; it starts with high-quality data underwriters can trust and partners who know how to deliver it at scale. While the underwriting process has evolved significantly, from lengthy applications showing only fragments of a patient’s health journey to predictive models integrating multiple data sources, the same fundamental challenge persists: technology is only as good as the data flowing through it, and the expertise behind that technology matters more than ever. The real barrier to progress Life carriers investing in predictive underwriting often discover that data friction, not model accuracy, is the main barrier to progress. The problem is not lack of technology or available data, but data quality. Disparate formats, missing fields, uncertain provenance slow down automation and undermine confidence. Despite strong analytic capabilities, carriers can find their underwriting models constrained by inconsistent data inputs. Predictive underwriting promises to combine traditional sources (claims, EHRs, APSs, labs) with new forms of evidence — wearables, digital health records, pharmacy data, even continuous monitoring. But without clean, consistent data flowing through these systems, innovation stalls. This is where domain experience becomes critical. Healthcare data integration isn’t a new problem to solve only with the latest technology, it’s a complex challenge that requires deep understanding of industry standards and identity resolution at scale. Startups may promise quick solutions, but two decades of experience processing billions of health data events reveal patterns, edge cases, and compliance requirements that can’t be learned overnight. Closing the data readiness gap Our solution automates the ingestion, normalization, and quality assurance of health, wearable, and claims data — transforming fragmented, multi-format inputs into a single, high-trust feed for underwriting platforms, AI models, and actuarial analytics. Built on 20+ years of healthcare data expertise and proven with billions of data events, our platform handles the complexity that breaks newer solutions. Health data integration: Convert medical records from multiple source formats (EHRs, APSs/PDFs, FHIR, CDA) into clean, standardized data points ready for analytical consumption. Claims data: Harmonize healthcare claims to create longitudinal, validated health histories, critical for understanding risk beyond self-reported conditions. Wearable data: Continuously ingest and quality-check data from consumer devices to provide lifestyle and biometric trends in near real time. Quality and lineage: Apply data updated coding, deduplication, and provenance tracking so every data element is explainable and analytically ready. The result: better data for better decisions — in real time. Powered by expertise you can trust. Fueling the future of underwriting Underwriting future What it needs How we enable it Underwriting futurePredictive underwriting What it needsComplete, accurate, real-time data How we enable itUnified ingestion from health, claims, and wearables, normalized and uplifted for analytics. Underwriting futureAugmented rules engines What it needsReliable, machine-readable inputs How we enable itStandardized, automated quality data, lineage and observability that nearly eliminates manual exceptions. Underwriting futureAlternative evidence What it needsIntegration of non-traditional data How we enable itSeamless ingestion and validation of wearable and novel tech devices. Underwriting futureAI reasoning What it needsExplainable, trustworthy training data How we enable itTransparent lineage and audit trails for every decision input. Underwriting futureHuman focus on complex cases What it needsAutomation of the rest How we enable itReal-time data pipelines that support higher straight-through processing rates. Where Orchestrate fits in the underwriting transformation journey Why data quality is now a competitive advantage By solving data quality issues upstream, carriers unlock measurable business value: Increase straight-through processing and reduce manual referrals Improve decision speed and pricing precision with real-time insights Enable real-time risk monitoring and early-warning insights Lower cost per decision by reducing rework and evidence collection Strengthen compliance and explainability with full data lineage In short: the faster you can trust your data, the faster you can trust your decisions. And trust comes from working with a partner with decades of success, over startups learning as they go. The new foundation for modern underwriting Life insurance leaders know the next decade will be defined by data-driven transformation; not just better models, but better inputs. Your underwriting engine, predictive model, or AI system is only as strong as the data that feeds it. Our platform is purpose-built to give life insurers that foundation—connecting health data at scale with the quality, transparency, and speed modern underwriting demands. Because in the new era of underwriting, the real competitive edge isn’t just automation. It’s data you can trust, delivered with real-time automation—and by a partner with proven expertise at a large scale.
