Defend yourself against unexpected lossess.


It is evident that the boom of senior citizens is impacting insurance payers across the country, and life insurance is no exception. New policy applications for 65 and older population are growing exponentially and it is imperative the industry has the most accurate, age-appropriate risk tool available to avoid even the smallest deviation from an expected mortality rate to maintain profitability.

Using Allostatix's ARPS™ technology, insurers can add additional information points to their underwriting strategy that will allow them to:

  • indentify applicants that should not be offered coverage
  • adjust premiums to adequately reflect the risk being taken if the company does offer coverage
  • adjust financial incentives to “cash out” or settle policies for certain policies that are becoming too risky.

Improve the accuracy of your underwriting.


Allostatix Risk Prediction System (ARPS™) is the first health measurement tool to predict the likelihood of disease and premature death, three to five years in advance, with up to a 90% accuracy. Headquartered in Cincinnati, Ohio, Allostatix uses neural networks to transform longitudinal health data into accurate, actionable knowledge for you, the health payer.

Allostatix technology empowers you to make effective premium and risk decisions, allowing you to better stratify various populations into health categories. When using the ARPS™ technology in conjunction with your actuarial resources, you can expect improved profit margins and more attractively priced products to your clients.

Products and Deliverables. 


In our Avia® line of products, most life insurers today already collect the data we need to run our analysis. All you need to do is provide us with your health data and we will produce the most predictive and accurate assessment of your applicant's health trajectory.

The results of the analysis are securely delivered to you in a customized format suited to your system. If needed, an aggregate population report is also available on a quarterly, semi-annually or yearly basis.

Click on the link below to read more about Avia® Products and pricing.