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 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.
Our team can walk through the methodology, apply it to your block of business,and help determine the right DUE strategy for your program.
