Use Sikka’s LECA (Life Expectancy at Current Age) Health Risk Score® to provide better risk differentiation and increase approved applications from the only oral health care data provider in the industry
At the Association of Home Office Underwriters 2025, Jacqueline Waas, VP of Underwriting Research and Development U.S. Individual Life at RGA, explains how Sikka.ai’s consent-based oral health insights can improve life insurance underwriting. By supplementing traditional life underwriting data sources with dental data, carriers can gain a more holistic mortality perspective on their populations. For example, Sikka’s LECA (Life Expectancy at Current Age) Health Risk Score® analyzes dental procedure history to predict life expectancy at a person’s current age, capitalizing on the proven connection between oral health and overall mortality risk.
Sikka.ai’s Lewis Goldman, Insurance Business Leader, and Manoj Joshi, AI Leader, discuss the technology, history, and methodology behind Sikka’s OHIs for life underwriting.
A software platform for measuring mortality risk of an individual based upon their unique dental procedure history.
Our health indicators are derived from more than 139 million unique records and can be used to identify health risks among life insurance applicants.
At Sikka.ai, we use a combination of machine learning, sophisticated AI and data science to create indicators from our oral healthcare data include our proprietary Sikka Tobacco Indicator™ as well as the LECA (Life Expectancy at Current Age) Health Risk Score®, all of which can help insurance companies deliver real-time decisions for underwriting.
Sikka delivers real-time individual health indicators with notes via an API feed including Sikka's Tobacco Indicator™ to facilitate life insurance underwriting and pricing.
Sikka provides an instant LECA Score on life expectancy as well as indicators that provide information on certain chronic diseases and conditions, all with appropriate consent.
Sikka's opt-in, consent-based data has been validated with 9M+ life insurance customers across 18 retro studies (and counting!). Major carriers, InsurTech companies, top Reinsurers and leading data providers have all tested Sikka's health indicators and LECA Score.
With over 50% share of oral care patient data, Sikka.ai is well-positioned to be the premier provider of this opt-in, consent-based data to the life insurance industry. No other source can provide the same breadth and depth of opt-in oral care data. We have world-class data architects and data scientists who gather, store, categorize, deliver and analyze data with great precision and agility.
This data is valuable to traditional insurance carriers and insuretech startups as they provide:
Sikka is a very interesting company that’s developed sophisticated indicators around Tobacco, Cardiovascular, and Diabetes from dental records.
Sikka is the best single source of data available today on individual tobacco use other than a cotinine test.
Check out our most recent webinars discussing issues and developments in life insurance
underwriting:
(Click on the images below to view the respective webinar replay)
Click the arrows to view studies and white papers on Sikka.ai, oral care, and underwriting life insurance.
Oral health is recognized by the medical community as an important determinant of overall health, and is associated with other health conditions, socioeconomic indicators, and lifestyle behaviors that are risk factors for mortality. As such, dental health records may be a fertile source of data for life insurers.
By Greg Solomon, Managing Director, Head of Life & Health for Peak Re, Hong Kong
As this insurance industry insider thought leadership piece states, Sikka Software epitomizes the Scorekeeper model, with our data showing the strong correlation between oral and overall health.
Sikka Tobacco Indicator™ is generated for an individual based on his or her dental clinical notes and completed oral health evaluations, which have been fed through a machine-learning model. Sikka’s patient records are assigned to one of two classes: tobacco user (T) or no evidence of tobacco use (N).
Sikka Tobacco Indicator™ & Munich Re Study
ExamOne’s study was conducted to determine the accuracy (based on other data sources) of oral healthcare data and the lift it provides for underwriters. Learn how ExamOne, a Quest Diagnostics Company, is using Sikka’s new oral health indicators to empower life insurers to identify conditions not otherwise detectable in existing data sources.
Key Findings: Among tobacco users identified by any data source, roughly 50% were identifiable only through oral healthcare flags!
To learn more about Sikka.ai and life insurance underwriting, please reach out to Lewis Goldman,
leader of our Sikka
Insights – Insurance business.
Sikka Insights – Insurance
Email
