Group RiskDimensions®

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Boost the power of your group pricing and underwriting with risk scoring from ˿ƵAPP.

Group RiskDimensions® is a portfolio of risk assessment and scoring solutions that provide a consistent, compatible set of tools that, when used separately or in combination, deliver powerful pricing and underwriting insights to group insurers. The solutions have been developed over a series of years, have been thoroughly researched and tested to be actuarially credible.

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Introducing MedScore®

Built exclusively for the group insurance market as part of the ˿ƵAPP Group Risk Dimensions® portfolio of data products, MedScore® combines the predictive power of prescription drug (Rx) and digital health data (DHD) in a single risk assessment score for group insurers.

MedScore is highly predictive of group mortality experience and harnesses decades of ˿ƵAPP underwriting, data science, and actuarial expertise; insights from the company’s acclaimed Rx Predictive Model and DHD Scoring tools for the individual life market; and applied innovation from ˿ƵAPPX. Leveraging that power, MedScore consolidates employees' prescription and DHD histories, applies our proprietary algorithm, and outputs a simple score from 1-100 that provides a deeper understanding of group health-based mortality risk. 

Learn More about MedScore®

 


Explore TransUnion TruVisionTM Life Group  

 TransUnion TruVisionTM Life Group is a credit-based behavioral index that is predictive of group mortality and morbidity experience. Validated and marketed exclusively by ˿ƵAPP, TransUnion TruVisionTM Life Group helps carriers get more value from existing underwriting information by combining it with insights derived from the behavioral side of risk.

Built exclusively for the group insurance market, TransUnion TruVisionTM Life Group harnesses TransUnion's TrueRisk® Life score. TransUnion aggregates a census for individual scores to create a group risk measurement from 1-100 that provides a deeper understanding of an employer group's behavioral-based mortality risk. This vital piece of evidence will allow carriers to remain competitive and provide more accurate pricing. 

Learn More about TransUnion TruVision (TM) Life Group

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Explore New Dimensions 

Your Key to a New Dimension of Health Risk Identification

MedScore® offers:
  • Data points that likely do not exist in your existing pricing basis, yielding the ability to adjust pricing using sound science
  • New insights that can be applied to an existing rate basis or used with underwriter discretion
  • A route to unearth new perspectives on application strategies, including renewals, benefit enrichment, and rate guarantee extensions
  • A path to increased close ratios, expansion opportunities, and more competitive group insurance pricing.


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Boost the Power of Your Underwriting with Behavioral Insight from ˿ƵAPP

TransUnion TruVisionTM Life Group offers:

  • Data points that likely do not exist in your existing pricing basis, yielding the ability to adjust pricing using sound science
  • New insights that can be applied to an existing rate basis or used with underwriter discretion
  • A route to unearth new perspectives on application strategies, including renewals, benefit enrichment, and rate guarantee extensions
  • A path to increase close ratios, open expansion opportunities, and gain a competitive edge in group insurance pricing

 


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Understand "the Why"

Benefit from ˿ƵAPP's behavioral science expertise. We are specialists in the “why” of life and health insurance decision-making. Our mission is simple: to help insurers to create products, policies and communications that reflect how people really do think and behave rather than how we think they should think and behave.

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Let's Connect

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Neill Muller
Neill Muller

Vice President
Data Commercialization

Melissa Tilford
Melissa Tilford

Vice President, Reinsurance Underwriting
U.S. Group Reinsurance

Curious? Let's Talk

Explore new dimensions of risk assessment with powerful pricing and underwriting insight from ˿ƵAPP Group RiskDimensions® and benefit from a competitive advantage in a commoditized market.