MIB & Agentic Deal to Remake Life Insurance Underwriting with AI

BRAINTREE, Mass. – April 14, 2026 – The traditionally slow and paper-laden process of applying for life insurance is poised for a significant digital overhaul. MIB, the life insurance industry's long-standing data steward, today announced an exclusive partnership with Agentic Healthcare, an innovator in AI-driven health data solutions. The collaboration aims to radically streamline how insurers access applicant medical records, placing control directly into the hands of consumers while leveraging a vast network of electronic health data.

This agreement will integrate Agentic Healthcare's technology into MIB's services, creating a new pathway for applicants to securely authorize and share their electronic health records (EHRs). The move signals a major shift in an industry grappling with consumer demand for faster, more transparent digital experiences, potentially reducing underwriting timelines from weeks to mere days.

A New Paradigm for Underwriting Data

For decades, life insurance underwriting has relied heavily on obtaining an Attending Physician Statement (APS), a manual process notorious for delays that can stretch for weeks or even months. This friction has long been a major pain point for both applicants and insurers. The new partnership introduces a modern alternative: Individual Access Services (IAS).

This service, also known as consumer-mediated access, allows applicants to grant secure, one-time permission for an insurer to retrieve their health data through MIB's platform. The process is powered by Agentic Healthcare’s 'Cures Gateway' network and its 'Selfii' longitudinal health record platform. A critical component is the integration of CLEAR for identity verification, which uses biometrics to confirm an applicant's identity with high assurance, meeting stringent federal standards (NIST IAL2/AAL2) for handling sensitive information.

This eliminates a significant hurdle for consumers: the need to recall and enter login credentials for multiple, disparate patient portals. Instead, applicants can authorize access through a single, secure interface. "Agentic's goal is to empower every individual to access and harness the full potential of their health records," said Eric Marton, CEO of Agentic Healthcare. "We have done a lot of work to alleviate the pain of gathering, enriching, and organizing medical records so patients can participate in the revolutionary changes that automation and AI are just beginning to enable."

Empowering the Consumer with Control and Privacy

Beyond efficiency, the partnership places a strong emphasis on data privacy and consumer empowerment. By putting authorization directly in the hands of the applicant, the model aligns with a growing movement toward personal data sovereignty. Consumers gain enhanced visibility into what information is being shared and for what purpose, a stark contrast to the opaque nature of traditional record requests.

This enhanced control is backed by a robust security framework. Both companies operate under the strict regulations of the Health Insurance Portability and Accountability Act (HIPAA). Agentic Healthcare's platform incorporates advanced security measures like field-level encryption and tamper-evident audit logs. However, the data privacy landscape is increasingly complex, extending beyond HIPAA's reach. A growing patchwork of state-level regulations, such as Washington's My Health My Data Act, imposes even stricter opt-in consent requirements for the collection and sharing of health data.

The MIB-Agentic model appears designed to navigate this intricate regulatory environment by building its process around explicit, informed consumer consent. With robust identity verification from CLEAR and a clear authorization workflow, the service aims to build the trust necessary for consumers to feel confident sharing their sensitive health information for underwriting purposes.

The 'One-Stop-Shop' Strategy and Market Impact

The strategic vision behind this alliance is ambitious. MIB aims to become the definitive "one-stop-shop for medical records" for the life insurance industry. This partnership is a cornerstone of that strategy, creating a flexible and comprehensive data retrieval system. The workflow is designed to be reflexive: if an electronic record is not immediately available through standard channels, the insurer can pivot to the new Individual Access Service. If records are still not found, the system allows for a seamless transition to a traditional APS request, all within a single platform.

"This expanded access, combined with our reflexive capabilities to pivot to an APS when an electronic health record is not available, and to provide dependable summaries on medical data, enables us to be the life insurance industry's one-stop-shop for medical records," stated Jas Awla, President of Medical Data Solutions at MIB.

This integrated approach could significantly disrupt the existing market for medical record retrieval, which includes various service providers and data aggregators. By offering a comprehensive solution that covers electronic, consumer-mediated, and traditional retrieval methods, MIB is positioning itself as a dominant force. Industry studies have shown that leveraging EHRs can slash underwriting cycles from an average of 15 days to as few as two, a powerful incentive for insurers to adopt such streamlined solutions. The efficiency gains and improved applicant experience could put immense pressure on competitors who offer less integrated or slower services.

The Engine of Interoperability: HIEs and AI

This partnership's effectiveness hinges on the power of data networks and the intelligence to make sense of the information they provide. Agentic Healthcare brings its proprietary 'Cures Gateway', which it claims provides data coverage for over 128 million individuals through direct relationships with more than 20 state and regional Health Information Exchanges (HIEs).

HIEs are the digital highways of healthcare, created to enable different healthcare providers and systems to securely exchange patient information. By tapping into this extensive network, the MIB-Agentic partnership can access a more complete, longitudinal view of an applicant's health history than what might be available from a single provider's office. This expanded reach is particularly valuable for accessing records in states with large rural populations and fragmented healthcare systems.

However, simply retrieving vast amounts of raw medical data is not enough. The true value is unlocked by AI's ability to process, organize, and summarize this information into a format that is digestible for underwriters. While the press release focuses on access, Agentic's core mission involves using AI to enrich and organize records. This capability is crucial, as it allows underwriters to quickly identify key risk factors without having to manually sift through hundreds of pages of unstructured data, further accelerating accurate decision-making and transforming the very nature of risk assessment in the life insurance industry.