While some Underwriting decisions can be complex and time consuming, others are routine and monotonous. The Tuo™ Risk Profiler supports both automating the obvious and providing rules-based risk assessment and decision support for the more complex. By automatically evaluating all underwriting data, including health, claims, prescription, membership and application history, the Tuo™ Risk Profiler enables real-time decision making for the routine and provides underwriters with risk identification and recommended actions for the complex.

We designed and constructed the Tuo™ Risk Profiler rules engine framework for Underwriter configuration. As such, it is underwriters not programmers who configure underwriting rules, guidelines and methodologies into the Risk Profiler. Once configured, rules, debits and decision rules are easily tuned and changed. As automation rules generally require fine-tuning to reach the desired risk stratification, configurability and ease of use are critical. Tuo™ Risk Profiler enables your rules to evolve with the ever-increasing changes to regulations, prescription costs and procedure costs.

Tuo™ Risk Profiler capabilities include:

• Automated assessment and risk identification
• Health questionnaire
• Prior applications & contracts
• Claims history
• Rx profile
• MIB
• Underwriting manual & guidelines (internal & 3rd party)
• Flexible risk stratification
• Best & worst risk automation: auto approval & decline
• Decision support and recommended underwriting action
• Rate up
• Riders
• Alternate offerings
• Care management integration
• Fraud & misrepresentation identification
• Compliance rules

For more information or to see a demonstration please contact us today at sales@colibriumpartners.com or call us today at 404-806-9800.