Case Study: AAA Life Insurance boosts placement rates with Human API EHR data

How AAA is using our platform and EHR data to modernize underwriting processes and drive higher placement rates!

AAA Life Insurance partnered with Human API to modernize life insurance underwriting and improve the customer buying experience. The insurer faced slow, manual medical-record retrieval, reliance on fax and APS orders, and high-friction application workflows that caused delays and drop-offs. Human API’s electronic health records (EHR) data platform was embedded into AAA Life Insurance’s e-applications to help them access consumer health data digitally.

With Human API, AAA Life Insurance streamlined medical data collection, reduced dependence on APS orders, and enabled faster underwriting decisions using structured EHR data. The results included a 12.7% improvement in placement ratio and a 75% APS replacement rate. Human API also helped AAA Life Insurance lay the groundwork for future automation, including rules engines and decision-support tools.

AAA Life Insurance

Jim Lucas

Senior VP, Chief Actuary