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The life insurance industry is in the midst of dramatic change. Rising consumer expectations, new direct to consumer offers, and evolving digital capabilities require new levels of speed, investment and innovation.

In 2013, MassMutual saw the opportunity to address these challenges and began a multi-year initiative to invest in data science and technology with the goal of developing a better risk scoring solution for the life insurance industry. By combining robust data with machine learning, a new model has been established that has yielded measurable business results, presenting the potential for a standard scoring approach that can help the entire industry.

Our flagship product, LifeScore360 is built from one of the industry’s most comprehensive data sets, and through the use of machine learning algorithms, is capable of producing comprehensive risk scoring results that only years of rigorous vetting could produce. Our clear, web-based visualization enables underwriters, agents, and consumers to easily and transparently interpret risk scores.

We invite you to learn more and share your ideas for moving our industry forward.

LifeScore Labs Principles

Wondering how it works?