An Outdated Underwriting Process
This process can range from 2 to 12 weeks or more, and is most commonly delayed by medical records.
The Problem
Traditional underwriting models are burdened by high costs, long cycle times, consumer inconvenience, and incompatibility with new distribution models.
Electronic Health Data
Electronic health data can bridge the gap on the underwriting continuum by serving as a multi-purpose screening tool between traditional and electronic requirements.
The Solution
Electronic health data can bridge the gap on the underwriting continuum by serving as a multi-purpose screening tool between traditional and electronic requirements.
How do we help insurers?
Clareto helps insurers accelerate underwriting timelines, increase placement and decrease attrition, reduce underwriting and acquisition costs, and modernize your underwriting process.

What do we do?
Clareto brings subject matter expertise, network development, & technology solutions to enable our life, disability, & other non-major medical insurance carriers & distributors to connect efficiently with our data partners, Health Information Exchanges (HIEs), healthcare providers, & EMR / HIE vendors.