Face-iT Scan: The Future of Underwriting

The Problem With Traditional Underwriting

Getting life insurance used to be a hassle. You'd fill out lengthy forms, schedule an appointment with a nurse or paramedic, give blood and urine samples, and then wait weeks for results. For expats, this process was even worse - finding approved medical examiners abroad, dealing with different healthcare systems, and navigating language barriers.

Face-iT Scan changes everything.

What Is Face-iT Scan?

Face-iT is a revolutionary biometric assessment technology that uses your smartphone camera to analyze vital health indicators. In just 15 minutes from anywhere in the world, you can complete a medical assessment that's as accurate as traditional methods - without needles, appointments, or waiting rooms.

The technology uses transdermal optical imaging to measure blood flow patterns in your face, extracting health data from the subtle color changes in your skin that are invisible to the naked eye but detectable by your phone's camera.

How Does It Work?

Step 1: Download the App

After starting your EZPZ application, you'll receive a link to download the Face-iT app on your smartphone (iOS or Android).

Step 2: Find Good Lighting

Position yourself in a well-lit area with natural or bright indoor lighting. Avoid direct sunlight or harsh shadows on your face.

Step 3: Complete the Scan

The app guides you through a series of scans, typically lasting 2-3 minutes each. You'll hold your phone steady while the camera captures your face from different angles.

Step 4: Answer Health Questions

Complete a brief health questionnaire within the app. This combines with the biometric data for a comprehensive assessment.

Step 5: Get Results

Results are typically processed within minutes, and your EZPZ quote is updated accordingly. No waiting for lab results or follow-up appointments.

What Does Face-iT Measure?

The scan can detect and measure numerous health indicators:

• Heart Rate: Resting heart rate and heart rate variability
• Blood Pressure: Systolic and diastolic readings
• Respiratory Rate: Breathing patterns
• Blood Oxygen: SpO2 levels
• BMI Estimation: Based on facial features
• Stress Indicators: Physiological stress markers
• Cardiovascular Risk: Indicators of heart health
• Diabetes Risk: Metabolic health markers

How Accurate Is It?

Face-iT technology has been validated in clinical studies comparing results to traditional medical measurements. The technology achieves:

• Heart rate accuracy within 2-3 BPM of medical-grade devices
• Blood pressure readings comparable to traditional cuffs
• High correlation with lab-based health assessments

The technology is CE marked and compliant with medical device regulations, giving insurers confidence in the results.

Benefits for Expats

No Geographic Barriers

Whether you're in Bangkok, Buenos Aires, or Berlin, you can complete your assessment anywhere you have your smartphone and decent lighting.

No Scheduling Hassles

Complete the scan on your own schedule - early morning, late night, or during your lunch break. No need to take time off work or arrange childcare.

Instant Results

Instead of waiting 2-4 weeks for traditional lab results, Face-iT provides results in minutes. Your coverage can be approved the same day.

Privacy

Complete your health assessment in the privacy of your own home. No strangers drawing blood or asking personal questions in a clinical setting.

No Needles

If you're not a fan of blood tests, Face-iT is completely non-invasive. Just your face and your phone.

Coverage Limits

Face-iT Scan is available for coverage amounts up to $750,000 USD. For higher coverage amounts, additional underwriting requirements may apply, which could include:

• Traditional medical examination
• Blood and urine tests
• Medical records review
• Attending physician statement

For most expats, $750,000 provides substantial protection, and many applicants won't need any additional testing.

Tips for the Best Results

To ensure an accurate Face-iT scan:

• Rest first: Don't scan right after exercise or coffee
• Good lighting: Natural daylight or bright indoor lighting works best
• Clean face: Remove heavy makeup; light makeup is fine
• Stay still: Minimize movement during the scan
• Follow instructions: The app guides you step by step
• Stable internet: Ensure a good connection for uploading results

Privacy and Data Security

Your Face-iT data is protected with bank-grade encryption. The technology:

• Does not use facial recognition for identification purposes
• Does not store photographs of your face
• Transmits only health metrics, not images
• Complies with GDPR and other data protection regulations

The Future of Insurance Underwriting

Face-iT represents a fundamental shift in how life insurance is underwritten. As the technology continues to improve, we expect even more health indicators to be measurable from your smartphone, making the process faster and more accessible for everyone.

For expats who've struggled with the logistics of traditional medical exams, Face-iT opens the door to easy, accessible life insurance coverage regardless of where in the world you call home.