Munich Re logo
Not if, but how
Munich Re Life US
Two medical professionals viewing a brain scan on a computer screen
© Munich American Reassurance Company

Underwriting & Medical

Underwriting solutions that support confident business growth

    alt txt

    properties.trackTitle

    properties.trackSubtitle

    Tackling risk assessment from multiple perspectives

    We are proud to offer customers a variety of options that support sound risk assessment techniques. Our Special Case Unit provides expert risk analysis on older age insureds and also routinely handles large face amount/high premium cases of all ages. Our team of medical directors is recognized nationally and globally for expertise in emerging medical and risk selection issues. Our Risk Management Unit includes experts who study risk trends and work diligently to help our clients understand the risks we share.

    Advancements in medicine and transformative thinking are creating profound opportunities 

    Earlier detection and diagnoses are helping people recover and thrive. Personalized and quantified medicine have the potential to change how diseases are diagnosed, treated and even cured. Seemingly unrelated industries like 3D printing, augmented reality (AR) and robotics are impacting how healthcare is delivered and have the potential to change outcomes. Understanding these dynamics and how they impact health and longevity is becoming increasingly important to good insurance product development, underwriting and customer engagement. 

    Client Solutions

    MAPS™

    MAPS™

    MAPS™ — Machine Learning for APS — uses optical character recognition (OCR) and natural language processing (NLP) to read an APS. Machine learning then assigns an underwriting recommendation based on the information in the APS. Underwriters receive a fully searchable APS in PDF format and a recommendation for the action to be taken.

    MAPS™ can be used to automate decisions, triage applications by impairment or accelerate review of an APS.  

    Woman with hand out holding a white cloud drawing

    EDGE™

    EDGE™

    Munich Re’s EDGE™ underwriting manual takes an evidence-based approach to determining risk and expanding insurability. EDGE™ is accessible anytime, anywhere via computer, tablet or smartphone and is thoughtfully designed for use by underwriters at all levels of experience.

    EDGE™ offers 14 calculators which produce transparent, referenced results, keeping you in control of the final result.

    Click to access EDGE™ Life and DI underwriting manuals
    Professional male underwriter evaluating Munich Re's EDGE manual on his tablet screen
    Primary Contacts
    Mike Happold
    Second Vice President, Underwriting Services
    Email
    mhappold@munichre.com
    vCard
    Download
    Gina Guzman
    Dr. Gina Guzman
    Vice President & Chief Medical Officer
    Munich Re Life US
    Email
    gguzman@munichre.com
    vCard
    Download
    Thought Leadership
    © liuzishan

    Perspectives

    Aerosol Biopsy: Breathing New Life Into Pulmonary Testing
    Underwriting & Medical
    Aerosol Biopsy: Breathing New Life Into Pulmonary Testing
    Suicide Where's the Risk?
    Suicide Mortality
    Suicide Where's the Risk?
    Accelerated Underwriting - The New Paradigm for Risk Selection
    Accelerated Underwriting
    Accelerated Underwriting - The New Paradigm for Risk Selection
    Woman holding artificial intelligence
    MAPS™
    Using optical character recognition (OCR) and natural language processing (NLP) to read an APS
    Man working on tablet
    EDGE™
    Taking an evidence-based approach to determining risk and expanding insurability

    Find Out More

    Company
    About Us
    Solutions
    Our Expertise
    Perspectives
    Our Perspectives
    Careers
    Join Our Team
    Solutions
    Integrated Analytics