LIFE INSURANCE
Dental procedure insights for relative mortality
Use Sikka’s LECA (Life Expectancy at Current Age) Health Risk Score® to reduce mortality slippage, provide better risk differentiation, and increase approved applications from the only consent-based oral healthcare data provider in the industry.
Sikka.ai & Life Insurance
At Sikka.ai, we use a combination of machine learning, sophisticated large language models (LLMs) and data science to create indicators from our consent-based oral healthcare data including our proprietary LECA (Life Expectancy at Current Age) Health Risk Score® as well as the Sikka Tobacco Indicator™, all of which can help insurance companies deliver real-time decisions while maintaining mortality projections.
Accelerated underwriting
Sikka’s real-time oral health indicators and LECA score have a demonstrated ability to improve mortality slippage while maintaining relative mortality thresholds.
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.
Validated data solutions
Sikka's data has been validated across 20 retro studies with 9M+ life insurance customers, and our LECA score and oral healthcare indicators have been tested by major carriers, reinsurers, and more.
Featured Solutions
Why Choose Us
With over 50% share of oral healthcare 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 oral healthcare data. We have world-class data architects and data scientists who gather, store, categorize, deliver and analyze data with precision and agility. This data is valuable to traditional insurance carriers and insurtech startups as they provide:
Speaker Notes
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 mortality slippage in 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.
Recent Webinars
Check out our most recent webinars discussing issues and developments in life insurance underwriting:
Electronically Healthy - How Oral Health Records Enhance the EHR Value Proposition
May 1, 2024
Our Studies
Check out our most recent studies discussing issues and developments in life insurance underwriting:
Oral Health, Mortality and Smoker Detection
Oral health is recognized by the medical community as an important determinant of overall health, and is associated with other health conditions...
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The Referee, the Scorekeeper, and the Coach: Which Insurtech technology Are You installing?
As this insurance industry insider thought leadership piece states, Sikka Software epitomizes the Scorekeeper...
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Accuracy of Oral Health Indicators Study
ExamOne’s study was conducted to determine the accuracy (based on other data sources) of consent-b...
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Sikka Tobacco Indicator™
Sikka Tobacco Indicator™ is generated for an individual based on his or her dental clinical notes and completed...
View studyConnect with our team
To learn more about Sikka.ai and life insurance underwriting, please email us at insurance@sikka.ai or contact us through our website.
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