Case Study

Reduced underwriting time by ordering an APS earlier in the process.

Case Studies / Insurance / Improve Underwriting Process

Many life insurance applications don’t receive an Attending Physician’s Statement (a summary of the applicant’s health by a doctor) until later in the underwriting process. This creates a longer underwriting time and lost business.


Our goal was to identify applications that would require an Attending Physician’s Statement and order it early in the process before an underwriter reviews the application.


We deployed data science techniques to identify where an Attending Physician’s Statement could be ordered earlier in the underwriting process, thus reducing the total underwriting time.

Value Delivered

The underwriting period for 10% of all applications was reduced by 15-20 days. This improved the likelihood that applicants would complete the process.

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