Practical Tools for More Informed Underwriting
Explore Nuvica’s underwriting calculators, designed to support consistent assessment and provide clear, practical insights across life and health insurance cases.
Assess Juvenile Build and Health Risk
Evaluate height, weight, age and BMI to understand build-related risk and identify the applicable ratings for Life, Accidental Death Benefit, Critical Illness, and Disability/Total Permanent Disability coverage.
Adult Build & Mortality Risk Assessment
BMI-based mortality assessment for North American lives aged 35 to 110 years, primarily for life settlement and annuity underwriting. This calculator is intended for Life Settlement business only and is not for use in life insurance underwriting.
Adult Build & Mortality Risk Assessment
Calculates build-related mortality debits using multivariate adjustments for age, sex, smoking status and selected cardiovascular and cerebrovascular conditions.
How to use this calculator
- Enter the applicant's age, sex, height, weight and smoking status.
- Select "Yes" for coronary artery disease, stroke, congestive heart failure, cardiomyopathy or transient ischemic attack only when additional underwriting debits are being applied for these conditions, not merely because a diagnosis is present.
- Click Calculate Result to obtain the indicative build-related debit.
Juvenile Build Assessment
Provides region-specific build ratings for juvenile life, accidental death benefit, critical illness and disability insurance. Uses height and weight criteria for infants aged 0 to 24 months and BMI-based assessment for children aged 2 to 17 years, with separate criteria for Asia and the Rest of the World.
How to use this calculator
- Select the region, sex and age group, then enter the applicant's height and weight.
- The calculator applies the appropriate infant height and weight criteria or childhood BMI criteria to provide indicative underwriting ratings.
- For imperial units you can enter height in a decimal pattern. For example if you enter 4.9, the calculator will auto-fill the height as 4 feet and 9 inches.
Extend Your Underwriting Capability
Whether you need additional underwriting capacity, specialist life expectancy assessment, Medical Director expertise, complex case support, or underwriting guidelines development, Nuvica can provide a service model aligned with your requirements.
What our clients say
The value of the engagement was the combination of underwriting knowledge and an outside perspective. Nuvica didn’t approach the problem with a generic consulting framework; they took the time to understand how our operations actually worked and provided recommendations around our specific situation.
Ryan Marlow
We were evaluating a technology decision and wanted an independent perspective before moving forward. Nuvica helped us step back and look at the underlying process first, which gave us a much clearer basis for evaluating our technology options.
George Hancock
Nuvica helped us look at our underwriting operations from a different perspective. The process review made it easier to identify where our existing workflow was creating unnecessary friction and where practical improvements could be considered.
Daniel Morgan
Nuvica’s underwriting support gave our team a consistent approach to reviewing settlement opportunities. Their focus on case-specific evidence and life expectancy assessment made the analysis easier to incorporate into our broader transaction review.
Anna Carroll
Having an independent underwriting perspective was valuable for our transaction evaluation. Nuvica approached the case carefully, explained the relevant risk considerations, and clearly distinguished the available evidence from areas where uncertainty remained.
Sam Blaire
Get in touch!
Talk to us about your underwriting, life expectancy, Medical Director, or specialist insurance medicine requirements.

