Dental procedure insights for relative mortality

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

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Jacqueline Waas of RGA discusses the power of Sikka’s data at AHOU 2025

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.

Read about Sikka.ai’s Oral Health Indicators (OHIs) in the March edition of On The Risk, the official journal of the Academy of Life Underwriting

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.

Featured services

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.

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Sikka Health Indicators™

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

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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:

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

Webinars

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)

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webinar smoking liars
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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
Email

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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.

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