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The convergence of data science technologies via wearables and personal devices coupled with the data provided by genomics (both individual and global) is revolutionary.

This coupling provides insights into individual and global lifestyles, diets, behaviors and disease burden allowing life insurance industry leaders, for the first time, to:

  • improve the APS process

  • add scientific health risk score and risk factor results to underwriting models

  • attract favorable risk profiles

  • offer variable premium discounts based on continuous monitoring of lifestyle risk factors,

  • increase policy holder touch points for increased cross-selling opportunities.


Policy Holders

Policy holders are exasperated with rising health insurance costs and are acutely aware of their need to modify personal risk factors to live long, healthier lives.


Policy holders want to be evaluated by and rewarded for their healthy lifestyle choices and behaviors instead of once-a-year health risk assessments (which are 60% effective). Digital adopters are motivated to earn discounts, points, and to submit their personal data if it can help lower their premiums based on lifestyle choices and changes.

Policy holders want to understand their genomic risk factors and take action to avoid future risks.

Policy holders want their digital medical records integrated with highly personalized and continuous data from wearables, devices and phones. They want their risk profiles updated continuously with diet, activity and biomarker results so they can stay engaged and learn how they can modify their risk and develop healthy habits.


Industry response

In response, life insurance industry executives are developing strategic partnerships and capabilities to develop variable premium products and discounts based on lifestyle risk. Industry leaders see opportunities to drive brand, touch points, increased engagement and access to a wealth of policy holder consented data. 

Life industry leaders already understand the crucial importance of health and wellbeing to their businesses and policy holders, but there is more they can do to extend their brands, product cross-sales, collection of premium, and policy holder loyalty.


Life insurance is uniquely advantaged to unlock the value of individual wellbeing, healthy lifestyles, and reduced risk factors while leveraging healthcare benefits.



For the first time technology, personalization, behavioral data science, disease burden, and nutrigenomics, applied to a person's unique biological data, can produce highly tailored lifestyle recommendations and risk scores. 

Sapiens Data Science has built a first-to-market unified and continuous Health Score for an individual’s health outlook with actionable Signals and personalized Services recommendations for life insurance industry organizations.

The Sapiens Platform ingests and integrates diverse health data and uses advanced analytics with clinically-validated data science algorithms to generate a 10-year mortality risk as a Health Score (scaled to 850, like your FICO credit score).  


The Wellbeing and Longevity (WEL)™ Solutions includes the WEL Health Score, prioritized actionable Signals to Protect (keep doing these) and Improve (do better on these) health and personalized Services recommendations.


Sapiens will offer a range of Business Services (B2B and B2B2C) as white label or branded services to improve health and create financial value across market segments. Services also include enterprise and individual dashboards that provide detailed, easy-to-use utilities, for short and longer-term management of health, costs and financial value. Our global disease burden reference data sets and benchmarks include the Center for Disease Control’s (CDC) National Health and Nutrition Examination Survey (NHANES).


What to expect in the interview

The interview takes approximately 1 hour. There are no right, or wrong answers and we are looking for your informed opinions, so please don't hold back!

One or more representatives from VenAdvisory will interview you, asking questions about how you think the Sapiens Data Science solution meets or misses industry needs.

During the interview, you will also answer a short poll.

All responses are anonymous. 


After the interview, we will send your honorarium check via email in appreciation for your time, consideration and helpful feedback. 


At your election, VenAdvisory can also donate honorariums on your behalf to a charity of your choice and you will receive a receipt from the cause as confirmation of your donation. Thank you for making a difference!



Local US Food Banks

About Feeding America, their mission is to feed America’s hungry through a nationwide network of member food banks and engage our country in the fight to end hunger.

Puerto Rico

United for Puerto Rico is an initiative brought forth by the First Lady of Puerto Rico, Beatriz Rosselló, in collaboration with the private sector, with the purpose of providing aid and support to those affected in Puerto Rico by the passage of Hurricane Irma and Hurricane María. 100% of the proceeds will go to helping the victims affected by these natural disasters in Puerto Rico.


The Houston Food Bank has a history of providing disaster relief and will provide food and supplies in the short term and for many months to come to residents in southeast Texas who will struggle to rebuild their lives. The Food Bank will work closely with our network of partner agencies to ensure food is getting to those who need it most. The Food Bank also finds ways to connect offers of help with those who are providing help.


Schedule Interview