An Outdated Underwriting Process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.
Dave Dorans has over 30+ years working for numerous industry leading companies in the insurance and financial services sector. A consistent theme in his experience is a focus on the transformation of the antiquated processes in the life insurance sector with the goal of making industry products more accessible to consumers. 
Steve Leighty is a 20+ year veteran in information technology and software development, with over 10 years focusing on healthcare innovation and interoperability. Steve has served as a software engineer, an architect, and in several managerial roles. He is the VP of IT and Operations and also serves as the Chief Information Security Officer for Clareto. 
Katie is an experienced leader, with a passion for driving digital health transformation. Prior to joining the Clareto team, Katie was Director of Electronic Health Strategy at MassMutual, where she had a proven track record for developing innovative strategies and solutions to acquiring electronic health data. 
