Human API’s Health Intelligence Platform connects electronic health data from thousands of sources in the US, servicing millions of Americans. This platform enables Nationwide to rapidly acquire consumer’s rich, digital health data and eliminate the need to wait weeks for labs or exams. Human API and Nationwide have built a fully integrated process where only HIPAA-compliant health data that the applicant has agreed to release is automatically ordered and delivered. Using digital health data instead of traditional attending physician statements, labs, and exams during underwriting is especially attractive to those who may have previously put off buying life insurance due to the cumbersome process.

“Nationwide and Human API are committed to a customer-centric experience that delivers fast and transparent life insurance to the consumer,” said Lee Fluharty, Chief Underwriter for Nationwide’s life insurance business. “By obtaining an applicant’s medical history in a digital format, we start providing value to them before a policy is even issued in the form of a faster, smoother process.”

Human API believes the future is moving towards digital data and processes and consumers expect these experiences.

“Our platform allows insurers to capitalize on the availability of digital medical data, using this data to shape their life insurance application process into a smooth, end-to-end digital experience for their consumers, previously unattainable with manual processes,” said Andrei Pop, CEO of Human API. “We are thrilled to be working with Nationwide to redefine the life insurance buying process for their consumers.”