Frequently Asked Questions

Questionnaires capture self-reported information, which is subject to recall bias, omission, and intentional misrepresentation. Biometric scans capture objective physiological signals — heart rate, heart rate variability, hemodynamic characteristics — that reflect the applicant's actual cardiovascular state at the time of application. This data supplements, rather than replaces, traditional evidence and provides actuarial teams with a measurable signal layer that questionnaires alone cannot deliver.

Biometric scan results are delivered as structured, quantified data — not raw video or subjective assessments. Reinsurance evaluation teams can review signal methodology documentation, sample data outputs, and population-level distributions. The data format is designed for integration into existing treaty evaluation frameworks, and we provide actuarial support materials to facilitate reinsurer due diligence during treaty discussions.

A biometric scan completes in 30 seconds and produces structured results immediately. For applicants who meet biometric thresholds, this can support same-day or next-day policy issuance by eliminating the weeks-long wait associated with scheduling paramedical exams, collecting fluid samples, and receiving lab results. The time savings are most significant for accelerated and instant-issue programs targeting healthy applicant populations.

Each scan extracts resting heart rate, heart rate variability metrics (SDNN, RMSSD), blood volume pulse waveform characteristics, and a composite physiological stress index. These signals are derived from remote photoplethysmography (rPPG) analysis of facial video captured by the applicant's smartphone camera. All results are delivered as quantified values with associated confidence scores.

All biometric analysis runs locally on the applicant's smartphone. No facial video or raw biometric imagery is transmitted to external servers. Only structured, quantified results are transmitted via API to your underwriting platform. This architecture reduces the volume of protected health information in transit and at rest, simplifying your compliance posture relative to approaches that involve server-side video processing or cloud-based biometric analysis.

Yes. Biometric scan results are delivered as structured JSON via API, designed for direct ingestion by rules-based and algorithmic underwriting platforms. The integration supports standard webhook and REST patterns. Your engineering team can map biometric data fields to existing variables in your decision engine without requiring changes to your core underwriting logic architecture.