Interest in digital underwriting evidence is surging. What's missing? A clear framework for translating insights into action. Enter RGA's Digital Underwriting Evidence (DUE) Playbook, a practical, research-backed guide to selecting, combining, and optimizing digital underwriting evidence. Built on years of carrier studies and RGA's underwriting and actuarial expertise, the Playbook provides the evidence, methodology, and decision rules needed to deliver your targeted mortality outcomes without unnecessary cost or complexity.
Delivering the greatest increases in underwriting decision rates
Combining DUE sources always outperforms any single source
Achieving significant mortality savings relative to foundational requirements alone, with rigorous methodology
"Success does not always require the most expensive options to achieve strong outcomes. Scenarios exist where dramatically cutting DUE costs results in only small decreases in mortality protection."
— Major US Insurer
EHR, medical claims, and LabPiQture each provide a different lens into health. Knowing what each reveals (and misses) provides the starting point.
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LP and MC are complementary, not interchangeable. RGA research shows that the right pairing can approach EHR-level mortality performance at meaningfully lower cost.
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The DUE Playbook identifies specific conditions under which simplifying the evidence strategy preserves nearly all the mortality benefit.
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A surface reading may suggest 38% mortality savings, but rigorous methodology ranges from 14 to 27%. The difference matters, and the Playbook provides the framework to get this right.
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The DUE Playbook is the culmination of a multi-year research program across carrier partnerships. These are the studies that built the methodology.
Vice President, Underwriting
Research and Development
U.S. Individual Life
As Vice President, Underwriting Research and Development, Jackie Waas is involved in investigating and developing underwriting innovations, with an emphasis on concept development, research, presenting new ideas, and participating in concept validation activities.
She started her career with RGA in 2018 as Director of Underwriting Services, where she supported direct-to-consumer accelerated offerings, including assisting with the auditing of the e-underwriting program and helping develop digital health scores while supporting the Digital Health Data team.
Prior to joining RGA, Jackie was an Underwriting Business Consultant and automated underwriting systems subject matter expert with Legal & General America for four years after working in an underwriting capacity with the company for nine years. She also had five years of underwriting experience with AXA Equitable and formerly worked as a marketing manager for Steele Rubber Products.
Jackie received a Bachelor of Arts with a major in communications and a minor in psychology from Lenoir-Rhyne University in North Carolina. She is a Certified Fellow of the Academy of Life Underwriting, a Fellow of the Life Management Institute, and a Fellow of the Financial Services Institute. She is also an Associate, Reinsurance Administration; Associate, Insurance Agency
Administration; and an Associate, Insurance Regulatory Compliance. Jackie also holds the Professional, Customer Service Institute designation, and she is a member of the Association of Home Office Underwriters.
Executive Director
Underwriting Research and Development
Our team can walk through the methodology, apply it to your block of business,and help determine the right DUE strategy for your program.
