Inclusivity was a core consideration in designing the LifeReturns® model, and therefore we opted for a model that will use smartphones as they are widely accessible and in use. Therefore, we standardised on our proprietary digital screening technology, which has undergone robust testing, as the only source of inputs for LifeReturns® discount purposes.
Integrating data from different sources will add significant complexities and costs to the solution, which will result in the model becoming expensive and offering lower levels of discounts.