Oral health indicators for underwriting

Use Sikka Health Indicators™ to provide better risk differentiation and an increase in approved applications from the only oral health care data provider in the industry

insurance banner

New Announcement!

Sikka.ai and Clareto announce partnership to provide easy access to oral health data for the life insurance industry

Sikka.ai and Clareto, a Munich Re company, are pleased to announce their new partnership to offer Sikka.ai’s 14 oral health indicators through Clareto’s EHR+ network.

Featured services

Sikka Health Indicators™

Our health indicators are derived from more than 139 million unique records and can be used to identify health risks among insurance applicants.

LECA (Life Expectancy at Current Age) Health Risk Score®

A software platform for measuring mortality risk of an individual based upon their unique dental procedure history.


Sikka.ai & Life Insurance

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.

Accelerated 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.

Real Time Scoring

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.

Validated with Multiple Retrospective Studies

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.

Why choose Sikka.ai?

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:

More accurate individual mortality estimates
More consistency in underwriting practices
More precision than expert judgment (manual underwriting)
Improved fraud detection
Reduction in the cost of underwriting each applicant
Reduction in the time to underwrite each applicant
Refined segmentation of discrete underwriting classes
Reduced complexity & friction in onboarding policyholder


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)

webinar risky business
webinar life support
webinar smoking liars
webinar insurance

The correlation between oral care and mortality

Click the arrows to view studies and white papers on Sikka.ai, oral care, and underwriting life insurance.

Contact us

To learn more about Sikka.ai and life insurance underwriting, please reach out to Lewis Goldman,
leader of our Sikka Insights – Insurance business.

Lewis Goldman

Lewis Goldman

Sikka Insights – Insurance


Lewis Goldman has over 20 years of experience in insurance and financial services, leveraging data for disruptive innovation across a variety of products and services, and is leading Sikka Software’s Insurance business. Before working with Sikka, Lewis served as executive of LendKey Technologies, a FinTech company. Prior to LendKey, Lewis worked for several years in insurance, including as head of marketing and product for Global Life Distribution and the MetLife direct to consumer life insurance business. He brings a track record of success nurturing and scaling businesses through marketing, new products, new channels of distribution, partnerships, and cross-sell at companies where he worked including Citigroup, LinkedIn, 1800flowers.com, Amazon, New York Life, and several FinTech and InsurTech startups. Lewis currently teaches marketing at St. Johns University, and is a graduate of Harvard University and Columbia Business School.

Subscribe to Newsletter