Transforming insurance underwriting with device-free biometric assessments
Spectro AI is dedicated to making insurance underwriting faster, more accessible, and more accurate through cutting-edge biometric technology. We believe that obtaining life insurance should be as simple as looking at your phone camera for 30 seconds.
Our patented rPPG (remote photoplethysmography) technology measures 30+ health markers including heart rate, blood pressure, SpO2, and HRV using just a standard camera.
We package biometric data into underwriting-ready risk scores that integrate seamlessly with carriers' existing decision engines and reinsurer requirements.
Our platform includes consent management, audit trails, and regulator-ready documentation to meet HIPAA, state insurance regulations, and privacy requirements.
Built for insurance carriers, we provide SOC 2 security, BAA agreements, 99.9% uptime SLAs, and integration support for policy admin and CRM systems.
Spectro AI leverages advanced computer vision and machine learning to extract cardiovascular signals from subtle color changes in facial skin. This technology, known as remote photoplethysmography (rPPG), has been validated in peer-reviewed research and clinical studies.
Our measurements achieve clinical-grade accuracy (Pearson r >= 0.92 vs. gold-standard devices) while maintaining the convenience and accessibility of a smartphone camera. All processing occurs on-device, ensuring privacy and security—we never store raw video or facial images.
We partner with life insurance carriers, reinsurers, MGAs, and insurance technology platforms to digitize medical underwriting and claims triage:
We take data protection seriously. Our platform is designed with privacy-by-default principles:
Interested in learning how Spectro AI can transform your underwriting process?