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Risk Radar
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In-force health & risk intelligence

Your members' health changes. Your view of risk should too.

See how health risk is changing across your members, spot the signals with a business impact early, and act on them through Eterna's physicians and the Longevity App.

Discuss a portfolio pilotSee how it works
Risk signals detected this quarterIllustrative
1234YOURMEMBERS
  1. 1
    Metabolic risk up 2%Members aged 45–55
  2. 2
    30% overdue for preventive careWomen aged 35–45
  3. 3
    Blood pressure control slippingMembers aged 55–64
  4. 4
    Statin refills lapsing12% of members on statins

The blind spot

After underwriting, the block goes dark.

You priced their health at issue. A life or long-term care policy then runs for decades, a health plan for a year with claims arriving late, and you see nothing until a claim.

1

See

Today
At issueYears later · a claim
With Risk Radar · member-authorized data
SeenActed onStill in view

At issue you see every member. Then the block is dark until a claim. With Risk Radar it stays lit, and a change shows the moment it happens.

2

Decide

Illustrative
Signals with a business impact
  • Metabolic risk up 2%Act
  • 30% overdue for preventive careAct
  • Blood pressure control slippingWatch
  • Statin refills lapsingWatch

Your team weighs the business case: act, or watch. Risk Radar shows; it does not decide, price or underwrite.

3

Act

Eterna's programs
  • Preventive care reminders
  • Medication adherence
  • 5-week DASH diet
  • and more
Your own programs
  • Early cancer test
  • Smoking cessation
  • and more

Just a few examples. You choose which programs to run.

4

Measure

Completed visits flow back to Risk Radar, so you can see the signal move. Every visit the program prompts is a data point, and the next quarter’s view already includes it.

Why it matters

13% lower risk of death from any cause for every 10 mmHg off systolic blood pressure.

The visit is where blood pressure gets measured and treated, for women and men alike.

13 fewerDeaths from any causeof every 100 expected20 fewerMajor cardiovascular eventsof every 100 expected
Higher profitabilityPersistencyup:premiums paid for longerClaimsdown:death claims later
Powered by Eterna

Risk Radar spots the change. You decide what happens next.

What it finds goes to your team. How you respond is up to you: through Eterna’s physicians and the Longevity App, or through programs you already run. Either way, you see what changed.

Members share health data with consent. Eterna connects it and sends de-identified signals to Risk Radar, which prioritizes them by business impact for your team. Your team decides where to act. The targeted program reaches members through Eterna, whose physicians, Longevity App or your own app deliver it, or through the programs you already run. Risk Radar measures what changed.MembersRecords · labs · pharmacy · devicesEternaConnected health dataPhysiciansLongevity AppYour appRisk RadarRisk signalsBusiness impactMeasurementYour teamPortfolio viewHealth data,with consentPhysiciansand the appDe-identifiedsignalsTargetedprogramPrioritizedinsightDecide whereto act
Members share health data with consent. Eterna connects it and sends de-identified signals to Risk Radar, which prioritizes them by business impact for your team. Your team decides where to act. The targeted program reaches members through Eterna, whose physicians, Longevity App or your own app deliver it, or through the programs you already run. Risk Radar measures what changed.MembersRecords · labs · pharmacy · devicesEternaConnected health dataPhysiciansLongevity AppYour appRisk RadarRisk signalsBusiness impactMeasurementYour teamPortfolio viewHealth data,with consentPhysiciansand the appDe-identifiedsignalsTargetedprogramPrioritizedinsightDecide whereto act
Data and insightCare and action
Use cases

The problems Risk Radar solves.

An ongoing view of health risk, turned into better decisions at every stage of the policy.

  1. 01Underwriting

    Faster feedback, smarter decisions.

    Risk Radar identifies changes in health risks sooner, providing earlier insights to refine underwriting models and assumptions instead of waiting for years for claims to recognize pricing slippages.

    LifeLong-term careDisability income
    Illustrative: health feedback once at issue today, versus ongoing feedback to underwriting with Risk Radar Today At issue only Risk Radar Ongoing, after issue
  2. 02Persistency

    Building loyalty through ongoing value.

    Members expect ongoing value to strengthen engagement, build trust and give more reasons to stay. With ongoing health context, insurers can also unlock opportunities to offer differentiated insurance products.

    LifeLong-term careDisability income
    Illustrative: more members keep their policy with Risk Radar than without With Risk Radar Without Members keeping their policy over time
  3. 03Early warning

    Managing risk as it evolves.

    Identify emerging health risks early, while there is still an opportunity to intervene. These same insights support more informed portfolio management, experience assumptions and financial forecasting.

    LifeLong-term careDisability income
    Illustrative: new claims start later with Risk Radar than without Without With Risk Radar Starts later New claims starting over time
  4. 04On claim

    A smoother claim, when it matters most.

    Anticipating potential claims reduces friction at the toughest moments for members. With the groundwork already in place, the claim process is smoother and decisions come sooner, with support ready when it is needed.

    LifeLong-term careDisability income
    Illustrative: a claim today, with back and forth in the middle; with Risk Radar it is smoother and resolved sooner Today Back and forth With Risk Radar Smoother, sooner

Charts are illustrative. Each use case is measured from launch against an agreed baseline.

See how we work with your line
Built on trust

Useful insight, with clear boundaries.

De-identified cohorts onlyNo member-level records in the portfolio view
Member-authorized dataMembers choose what to connect, and can turn it off
Care stays with cliniciansIndividual support through authorized pathways
Data coverage shownSources, freshness and gaps, never assumed
Observed kept apart from modeledHealth trends separate from financial scenarios
No daily app use requiredBuilt on authorized data connections

Data availability depends on enrollment, permissions and connected sources. Not every source updates in real time.

See what is changing in your portfolio, and where earlier action could help.

Start with a defined cohort and a clear question. We set the baseline together and measure as the evidence develops.

Discuss a portfolio pilot