About Circadify Underwriting Technology
Bringing real biometric data to life insurance underwriting through smartphone-based health scanning
Why We Built This for Insurance
Life insurance underwriting has relied on the same evidence hierarchy for decades: application questionnaires, paramedical exams, fluid testing, and attending physician statements. Each step adds time, cost, and friction to the process. Meanwhile, applicant expectations have shifted toward instant digital experiences, and carriers have responded with accelerated programs — but many of those programs simply skip evidence rather than replacing it with better data.
We saw an opportunity to change this dynamic. Remote photoplethysmography (rPPG) technology can extract real cardiovascular and hemodynamic signals from a standard smartphone camera in 30 seconds. This is not a questionnaire replacement — it is an entirely new evidence layer that captures objective physiological data from the applicant without requiring paramedical visits, fluid collection, or specialized hardware.
Circadify's underwriting technology was built specifically for this use case: structured biometric data output designed for actuarial models, automated decision engines, and reinsurer evaluation processes. We focused on making the data reliable enough for underwriting decisions, private enough for regulatory confidence, and fast enough for instant-issue workflows.
Our Mission
To provide life insurance carriers, actuarial teams, and reinsurers with objective biometric data from smartphone-based scans — enabling accelerated underwriting programs built on real physiological evidence rather than questionnaire responses alone.
What Drives Our Insurance Technology
Objective Evidence Over Self-Report
Questionnaires have inherent limitations. We provide measurable physiological signals that give underwriting teams data they can model, validate, and defend in reinsurer discussions — a fundamentally different category of evidence.
Underwriting-Grade Data Standards
Every algorithm and output is built for the rigor that insurance decisions demand. We design for actuarial scrutiny and reinsurer evaluation, not consumer wellness tracking. The bar is set by the underwriting use case.
Privacy as Architecture
On-device processing is a core engineering decision, not a marketing feature. By keeping biometric analysis on the applicant's smartphone, we reduce protected health information exposure and simplify data governance for carriers and their compliance teams.
Speed Without Sacrificing Signal
A 30-second scan that produces structured data in real time. We engineered for the instant-issue timeline without compromising the depth of biometric signals available to your underwriting models and decision engines.
Learn More About TryHealthScan
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