Epigenetic technology is poised to play a foundational role in underwriting for the global longevity industry. Our advanced triaged underwriting protocol uses epigenetic signatures as the primary biometric basis for underwriting decisions for ‘preferred’ and ‘preferred plus’ risk classes.
There is clear and convincing evidence that ‘epigenetic signatures’ derived from a non-invasive saliva specimen can be used to assess individual mortality risk and related risk factors. We believe that epigenetic signatures are equivalent, or superior, to existing legacy approaches for obtaining personal health information, while addressing key opportunities to improve the consumer and agent sales journey.
An underwriting process using epigenetic signatures, along with available third-party datasets, yields underwriting results and mortality experience at par, or better, than legacy underwriting protocols.
In addition to gaining market-share and growth within existing distribution channels and opening new markets, our triaged underwriting process:
- Enhances underwriting efficiency and effectiveness
- Improves the customer sales journey with a non-invasive saliva collection
- Enables agent distribution professionals to sell more life insurance products
- Offers new health and wellness engagement opportunities that can improve policyholder health
Our science is focused on analyzing epigenetic signatures that distinguish differences in individual health and wellness and are efficacious in preferred underwriting classes.
Our Life Insurance
We are using the science of epigenetics to put the “life” back in life insurance. By shifting the focus from death to life benefits, we are able to offer molecular insights into individual health and wellness that empower people to make more informed choices that improve the quality of life.
The Science of Epigenetics
Applying the “epigenetic clock” technology towards the longevity industry and using epigenetic signatures to measure individual health and wellness has enabled us to develop an underwriting paradigm shift that moves away from fluid-less to using saliva. This process is set to improve both underwriting efficiency and mortality experience while enhancing protective value.
So, what exactly is epigenetics?
- Unlike genetics which are fixed at birth and inherited from one’s parents, epigenetics change over one’s lifespan and are influenced by lifestyle and environment.
- Genes determine one’s ancestry, gender, hair and eye color, and risk of disease; whereas the epigenome fluctuates based on tobacco and alcohol use, drugs of abuse, stress and aging, and current disease states.
- Epigenetic signatures are identifiable patterns of methylation that relate to current states of health and disease classifications determined by traditional underwriting.