Services
MEDICAL & LIFE INSURANCE UNDERWRITING SERVICES
Powering Accurate Risk Assessment For Insurance Carriers
- In the competitive and highly regulated insurance industry, sound medical underwriting is the cornerstone of risk management and competitive advantage. For life and health insurance carriers, Broker-General Agencies (BGAs), and firms in the life settlement market, an efficient, accurate review of an applicant's medical history is paramount.
- CUBEXLE (formerly iAGS) is your trusted B2B partner for outsourced medical underwriting services. We provide comprehensive, physician-supported medical record analysis that transforms complex health data into clear, actionable intelligence, enabling you to optimize pricing, reduce risk, and significantly accelerate your underwriting cycle time.
500
Clients Served
100
Client Satisfaction
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Chronological Health Synopsis: Each summary includes a clear,
date-sequenced outline of
Attending Physician Statement (APS) Summarization
The Attending Physician Statement (APS) is a critical but often lengthy and unstructured document. Our specialized APS summarization services are designed to unburden your underwriters, shifting the focus from tedious medical record review to high-value risk appraisal and decision-making.
Our team of rigorously trained medical professionals, supported by
physician-consultants, meticulously reviews voluminous medical charts. We extract and synthesize only the most relevant medical information to create a concise, chronological, and easily navigable APS Summary.
physician-consultants, meticulously reviews voluminous medical charts. We extract and synthesize only the most relevant medical information to create a concise, chronological, and easily navigable APS Summary.
APS Summaries That Drive Efficiency
- Accelerated Underwriting Workflow: Our summaries drastically reduce the manual review time your team spends "scavenging" through unorganized medical files.
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Key Risk Indicator Flagging: We highlight critical health concerns and
pre-existing conditions (e.g., heart disease, diabetes, hypertension, cancer) that impact insurability and risk classification. - Quality & Consistency: Our standardized, quality-controlled process ensures a consistent output that seamlessly integrates into your existing underwriting guidelines and quality management processes.
By streamlining the APS medical summarization process, CUBEXLE helps you increase underwriter productivity, improve the accuracy of your risk assessment, and achieve significant cost savings.
Life Expectancy (LE) Underwriting Services
For the secondary and tertiary life risk markets including life settlement companies, financial advisors, and investors precise longevity risk assessment is the key to transactional success.
CUBEXLE provides expert Life Expectancy (LE) reports driven by years of experience and deep medical-actuarial knowledge. Our reports are built on a foundation of thorough medical record analysis, not just basic actuarial tables.
Our LE Report Methodology
Our credentialed life underwriters and research professionals utilize comprehensive medical data, established mortality risk models, and clinical expertise to deliver highly dependable individualized mortality risk assessments.
- In-Depth Data Analysis: We analyze the applicant’s complete medical profile, including specific conditions, treatment compliance, family history, and lifestyle factors ("Underwriting Factors").
- LE Estimate: We provide a statistically sound estimate of the average number of years a person is expected to live.
- Mortality Probability: The report details the projected probability of mortality for each subsequent year based on the insured’s unique risk profile.
Trust CUBEXLE for the accurate, research-driven Life Expectancy underwriting you need to manage risk successfully in the life-contingent asset space.
The CUBEXLE Advantage
- Partner with CUBEXLE to gain a competitive edge in medical risk assessment and underwriting efficiency