Munich Re Life US has received United States Patents 12,321,683 and 12,067,343¹ for the innovative technology behind alitheia, a rapid-risk assessment and decisioning software platform designed to improve instant offer rates and cycle times for individual life insurance programs. The patents list alitheia founder Adnan Haque and machine learning engineer Magd Bayoumi as inventors and protect technologies for processing freeform text in web forms and decision modeling to enable optimization for requirements ordering:

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• Optimizing requirements: alitheia intelligently determines when to retrieve and how to sequence digital third-party data such as electronic health records (EHRs) and clinical data in real-time at the point of sale, enabling potential reduced costs and turnaround times without compromising risk assessment.

• Natural language processing (NLP): Advanced NLP models interpret freeform text responses in an application and map them to a medical lexicon, enabling as many as 10% more cases to be processed instantly and reducing reliance on traditional full underwriting.

“We’re continually applying data science and the latest technology—including machine learning and AI—to tackle barriers in automated underwriting,” said Magd Bayoumi, Staff Machine Learning Engineer at Munich Re Life North America. “For example, we’ve developed an algorithm to parse freeform text responses and map them to a medical ontology for interpretation and instant decisioning. An entry of ‘I had a bee sting’ or ‘I stubbed my toe’ could trigger a manual review in many online applications. alitheia allows non-medically significant responses to stay in the automated workflow.”

alitheia delivers intelligent capabilities via a diverse suite of models and tools, and uses AI and machine learning to structure complex medical text, proactively suggest underwriting rules, and reconcile disparate data sources—enabling a holistic and accurate assessment of risk.

alitheia can now be leveraged as an end-to-end risk solution or as layers on top of a carrier’s own risk assessment

alitheia’s recently expanded solution offers multiple integration options, providing insurance carriers with the flexibility to adopt either a comprehensive end-to-end underwriting solution or select modular components tailored to specific operational needs that can integrate seamlessly with existing systems.

The new modular architecture supports a wide range of risk assessment capabilities, including diverse predictive models, multiple data sources, a configurable rules engine, and an underwriter workbench. Early adopters of the platform have achieved instant offer rates of up to 50% — tripling the industry average.²

“We enable carriers to take advantage of leading-edge technology, backed by our deep risk expertise, while maintaining their own unique underwriting philosophy and rules, if desired,” said Adnan Haque, VP, Integrated Analytics, Munich Re Life North America. “Regardless of how their programs are structured, we can help carriers achieve some of the industry’s fastest automation rates while keeping mortality costs in check and maintaining a focus on resource and cost efficiencies.”

alitheia’s expanded capabilities are already being adopted by carriers like John Hancock, which is leveraging EHR data to streamline underwriting and improve turnaround times.

¹ Patents are listed under Munich American Reassurance Company.

² Based on carrier experience. Results may vary

Munich Re Life US

Munich Re Life US, a subsidiary of Munich Re Group, is a leading US reinsurer with a significant market presence and extensive technical depth in all areas of life and disability reinsurance. Beyond vast reinsurance capacity and unrivaled risk expertise, the company is recognized as an innovator in digital transformation and aims to guide carriers through the changing industry landscape with dynamic solutions insightfully designed to grow and support their business. Munich Re Life US also offers tailored financial reinsurance solutions to help life and disability insurance carriers manage organic growth and capital efficiency as well as M&A support to help achieve transaction success.

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