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Home/Financial Foundation/LIFE INSURANCE UNDERWRITING

Life insurance underwriting moves toward real-time medical data ingestion

DM

Dana Montgomery

life insurance underwriting · Apr 16, 2026

Life insurance underwriting moves toward real-time medical data ingestion

Source: DojiDoji Data Terminal

Consumers applying for life insurance can expect a faster application process with less manual intervention. This is the result of a new integration between the LexisNexis Health Intelligence platform and Agenium's no-code SaaS platform.

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Life Insurance Applicants Now Bypass Patient Portal Logins for Medical Record Retrieval

Life insurance applicants will no longer be required to enter medical portal login credentials to share their health data with insurers. This change comes through an exclusive agreement between MIB and Agentic Healthcare, which introduces Individual Access Services (IAS) to the MIB EHR. Applicants can now authorize the retrieval of their medical records via the MIB EHR, leveraging Agentic's identity verification partnership with CLEAR. The service expands MIB's reach to regional and statewide Health Information Exchanges (HIEs), particularly in states with large rural areas like California and Texas. Insurers using the MIB EHR retrieval service now access applicant data through a single interface. This streamlines the underwriting process by eliminating the need for multiple patient portal credentials.

Life insurers now have a new avenue to request and receive electronic health records (EHRs) and curated medical insights. The integration allows carriers to connect their point-of-sale application platforms and home office underwriting platforms to these data sources through a single interface.

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Bond settlement cycles in South Korea shorten from two days to near-real-time execution. This shift is driven by a partnership between Ripple and Kyobo Life Insurance to pilot blockchain-based settlement for government bonds. Ripple is deploying its Ripple Custody platform to handle the issuance, settlement, and storage of tokenized bonds. The system replaces multiple intermediaries and manual settlement processes with a trustless on-chain infrastructure. Counterparty risk is reduced. Capital efficiency is improved.

Once connected, medical data is ingested into the insurer's decision engine to accelerate risk scoring. This enables carriers to make underwriting decisions in real time at the point-of-sale.

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Global InsurTech funding drops 78% in March

InsurTech funding dropped by around 78% compared to February, with 10 deals raising roughly $237m. This represents the slowest month for funding so far in 2026. Investment concentrated around companies developing artificial intelligence tools and digital infrastructure. Infrastructure, automation, and embedded insurance platforms accounted for six of the 10 deals.

Debra Gangelhoff, vice president and general manager of life insurance at LexisNexis Risk Solutions, said the innovation is designed to "fast-track their electronic health record adoption" using data sourced from national EHR organizations, Health Information Exchanges, and applicant healthcare portals.

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State-owned insurance integration keeps premiums within Ghana's public asset portfolio

SIC Insurance PLC and SIC Life Insurance Ltd may see an increase in dividend capacity over time as the state encourages the internal circulation of value within its public investment architecture. This is the result of SIGA's integrating policy, which encourages state-owned enterprises to place their insurance business with state-owned insurers. By directing premium income, underwriting profits, and investment returns to keep within the state enterprise network, the policy aims to reinforce the capital strength and institutional sustainability of public insurers. The Ghana Insurers Association supports the move as a strategic effort to align public ownership with commercial rationality, provided the business is won through credible pricing and compliance with procurement rules.

life insurance underwriting

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