Life

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Smoker Assessment Score

Carpe Data’s Smoker Assessment Score provides Insurers with a non-invasive and inexpensive assessment method of an applicant’s smoker status. Confidence levels are supplied with each score, as applicants are designated as Smoker, Non-smoker, or unknown. By utilizing our Smoker Assessment Score, Carriers can significantly reduce the cost and time to underwrite by fast-tracking non-smoker applicants through the underwriting process.

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Lead Qualification Score

Our Lead Qualification Score assesses applicants in real-time based on their online data. Social data characteristics are incorporated in the point of sale process to segment risks, allowing for identification of individuals more likely to qualify for target programs. Applicants are assigned scores that correspond with their likelihood of qualification, allowing Carriers to make informed decisions and segment risk into specific programs.

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Substance Abuse Score

Employing our proprietary technology and scoring algorithms, the Substance Abuse Score provides a real-time assessment of an applicant’s substance abuse risk. Applicants are scored into three distinct categories: high risk, low risk, or unknown, with a confidence level provided with each score. Our Substance Abuse Score algorithm is built upon the principles of data science and hours of use cases, ensuring a relevant and accurate assessment of applicants

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Vital Status

Leveraging proprietary data aggregation technology, Carpe Data identifies and mines publicly available online obituary data sourced from across the web. Vital Status provides carriers with an expansive and inexpensive means to update, supplement, and strengthen death master record data with up-to- date mortality data.

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Life Events

Carpe Data’s Life Events product allows Carriers to obtain real-time alerts for significant life events. Insurers can re-engage with customers as their insurance needs change based on an important event, enabling better coverage and customer service. Receive notifications for milestones such as:                        
-Engagement/Marriage
-Pregnancy/Child Birth
-Job Change
-Home Purchase

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Lifestyle Connect

Our Lifestyle Connect dashboard allows users to consolidate data from lifestyle devices connected to the Internet of Things (IoT), utilizing a singular API to Insurance Carriers. Within this core platform, users can add and remove any number of connected devices, view data, and export as needed. The Lifestyle Connect platform allow Carriers to create increased customer engagement and enable consumer incentives for individuals using wearables and other IoT health devices. Consumers are able to monetize the IoT data they are already creating on their personal devices, and Carriers can attract consumer populations willing to provide additional data for better pricing. By utilizing Next Generation data, Insurers can access this valuable data for risk assessment, discount offerings, and more efficient underwriting.

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Customer Insight

Using Carpe Data’s entity resolution technology (patent-pending), organizations can gain powerful insight into leads, customers, and other individuals of interest. Our data science-backed algorithms scour the web, aggregating online and social media data in an automated fashion to provide valuable information for organizational leverage. Carpe Data’s Customer Insight allows users to understand their clientele and target market quickly and in real-time.
Top carriers are already utilizing online and next generation data to their advantage, employing the information to better attract and serve their customer base.

– Identify customers with large social media followings
– Connect leads with agents who have similar interests
– Utilize next generation data to make great connections
– Pinpoint “influences” and leverage intelligence
– Easily system integration via API
– Option to utilize Social Intelligence’s Customer Insight user interface

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Fraud Score

Carpe Data’s real-time predictive fraud scores assess risk during claims filing, determining the likelihood of a fraudulent claim based on a claimant’s online presence. By using social and online data, Insurers can reduce cost while detecting fraud risk.
– Obtain relevant results in real-time
– Avoid unnecessary investigations
– Route claims more effectively