Gen Re is pleased to announce the completion of an independent validation study of Milliman Irix® Risk Score 4.0, confirming additional stratification of mortality risk above Risk Score 3.0.

Leveraging a powerful combination of Prescription Data, Medical Data, and Credit Data, Risk Score 4.0 delivers stronger mortality segmentation and enhanced predictive performance compared to previous versions – helping Life insurers make more confident underwriting decisions while expanding acceleration opportunities.

Our findings are now available in our whitepaper series, Risk Score 4.0 – A Mortality Validation Study, based on a Milliman provided study of 36 million policies, 233 million life-years, and 1.5 million deaths.

Key Findings of Validation Study

• Exceptional Predictive Power – Demonstrated up to 13.6x mortality separation between the lowest- and highest-risk deciles (lift)
• Meaningful Improvement Over Version 3.0 – Delivered 15–17% greater lift across all evidence configurations
• Expanded Scoring Coverage – Scored approximately 97% of applicants while using full RxDxCr data, enabling more consistent and scalable underwriting decisions
• Greater Acceleration Potential – Enables carriers to accelerate more applicants while maintaining the same mortality objectives, supporting a faster and more seamless customer experience

Our study confirms Risk Score 4.0 provides insurers with a more powerful tool to improve risk selection, expand accelerated underwriting programs, and drive operational efficiency without compromising mortality performance.

Gen Re’s Risk Score 4.0 – A Mortality Validation Study Three-Part Whitepaper Series

Download the first installment of our whitepaper series here, and look for my upcoming blogs with links to more whitepapers to learn how next-generation predictive analytics can help unlock greater underwriting precision and business value.

If you’d like to discuss how these insights may apply to your underwriting program, contact Donna Sivigny, Head of Client Solutions at Gen Re.