MIRA Pro

The future of confident, intuitive underwriting

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Powered by Munich Re’s decades of evidence-based expertise, our life and health underwriting guide is continuously evolving, enabling underwriters to make smarter, faster, and more transparent decisions – every time.

What is MIRA Pro?

MIRA Pro combines Munich Re’s global underwriting expertise with advanced digital capabilities to simplify complexity, reduce manual effort, and ensure consistent, risk-adequate decisions. Whether for routine or complex biometric cases, MIRA Pro enables fast, structured assessments that scale with your business.

With its modern interface and powerful features, MIRA Pro is built on Munich Re’s deep, evidence-based underwriting expertise. It stays true to what has made our underwriting so effective: guidelines that cover over 4,600 impairments and are continuously updated to reflect the latest medical and actuarial knowledge. With tools like the Multirisk Calculator and the Mental Health Calculator, it applies a holistic, multivariate approach that goes far beyond simple additive models. The result is a modern solution that builds on proven quality, designed to meet today’s demands while preserving the excellence you already know and trust.

Key benefits

Turn complexity into clarity

With over 400 calculators built on Munich Re’s decades of evidence-based underwriting expertise, you can assess risks faster, navigate complexity with ease, and deliver precise decisions — every time. Perfect underwriting starts here.

Stay confident, even with missing data

Faster assessments, with MIRA Pro’s Min/Max function — even when information is incomplete. By providing a reliable range for risk assessment, it supports quicker decisions, better client communication, and shorter processing times.

Scale underwriting with ease

Operational efficiency, built into every step – from onboarding new underwriters to streamlining complex workflows, MIRA Pro brings consistency and efficiency to your underwriting process.

Key Features

More than 400 interactive calculators at your fingertips

As insurers face increasing pressure to optimize performance in low-margin environments, MIRA Pro offers a reliable and scalable solution. With more than 400 specialized calculators, it covers a wide range of risk scenarios — all grounded in Munich Re’s proven underwriting expertise. Designed for operational efficiency and accuracy MIRA Pro enables underwriting teams to meet today’s demands with consistency and confidence.

Min/Max function for easy assessments

The Min/Max function supports underwriting when data is incomplete. By providing a reliable risk range, it enables quick triage and pre-assessments, helping underwriters determine case viability sooner. By receiving these pre-assessments, sales teams can respond to customers more quickly and confidently. This not only speeds up the application process but also delivers a smoother, more satisfying customer experience.

Interfaces tailored to all expertise levels

MIRA Pro combines fast and user-friendly dialogs with interfaces designed for all expertise levels. In addition to its everyday use, MIRA Pro also acts as a training tool, reducing onboarding bottlenecks and freeing up senior staff — enabling faster, more consistent underwriting across the organization.

>400

More than 400 Calculators are covering the majority of diagnosis

>4,600

More than 4,600 medical conditions

>120

In use in more than 120 countries

What our clients say

MIRA Pro has interactive calculators integrated within the rating page. This functionality is of immense help for junior underwriters, while senior underwriters can simply glance through the rating page and take the decision.

Dr. Lakshmi Bansal

SVP Underwriting and Medical

HDFC Life

^{The views expressed are solely that of the speaker and the speaker and HDFC Life disclaims any and all damages, costs and liabilities whatsoever for any reliance or use made of the opinions or views expressed.}