Life Insurance | Sikka Software

DATA SCIENCE

INSURANCE TECHNOLOGY

Sikka uses machine learning, artificial intelligence, and data science to create proprietary Tobacco and LECA scores that help insurance companies deliver real-time decisions in underwriting policies and population modeling.

DATA SCIENCE

INSURANCE TECHNOLOGY

Accelerated Underwriting

Sikka delivers real-time individual decision API scores including a Tobacco Score and a LECA score to facilitate life insurance underwriting and pricing.

Real-Time Scoring

Sikka provides an instant Life Expectancy Current Age (LECA) score on life expectancy, a score reflecting tobacco use, and additional scores on certain chronic diseases and conditions, all with appropriate consent.

Retrospective Studies

Dataset validated with comprehensive retrospective studies with industry leaders.

RETROSPECTIVE STUDIES

Oral Health, Morality and Smoker Detection

Oral health is recognized by the medical community as an important determinant of overall health, and is associated with other health conditions, socioeconomic indicators, and lifestyle behaviors that are risk factors for morality. As such, dental health records may be a fertile source of data for life insurers.

The Mouth-Body Connection

By Lea E. Erickson.
Oral health contributes significantly to self-esteem and quality of life. If untreated, the dental caries (cavities) may affect the denal pulp, or tooth center, which is reach with vascular, nerve, and connective tissue, resulting in pain and infection.

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Tobacco Scoring

Sikka’s Tobacco Score is generated for an individual based on his or her dental clinical notes and completed oral health evaluations, which have been fed through a machine-learning model. Sikka’s patient records are assigned to one of three classes: tobacco user (T), not a tobacco user (NT), or no evidence of tobacco use (N).