By integrating FICO’s advanced AI, analytics, and decision management capabilities with dacadoo’s health risk quantification engine, the collaboration aims to offer insurers more flexible, precise, and personalised risk assessments.

The partnership enables life insurers to move beyond traditional static underwriting models, embracing dynamic, behavior-based approaches that reduce operational costs, boost customer loyalty, and enhance overall risk management. This shift is expected to drive long-term profitability in an increasingly competitive market.

“We have brought to market an innovative solution that enables insurers to target their life insurance products at specific profiles,” said Peter Ohnemus, president and CEO of dacadoo. “Through our partnership with FICO, insurers can leverage dynamic data and advanced decision science to design highly personalized insurance offerings, while enhancing their own risk models and decision processes.”

Key benefits of the collaboration include hyper-personalized risk scoring, wellness-driven policy models, real-time decisioning for claims and onboarding, and predictive modeling for customer lifetime value, claims, and lapses. According to estimates from FICO and dacadoo, insurers adopting the combined solution could see a 20–30% increase in customer lifetime value and a 30–50% reduction in underwriting time through automation and real-time decisioning.

“With over 80% of insurers identifying improved underwriting and customer experience as critical priorities, the timing of this alliance is perfect,” said Alexandre Graff, vice president for global partners and alliances at FICO. “We view the dacadoo platform as a game-changer. It not only supports responsible business growth but also empowers individuals to manage their health more effectively through digital engagement. By infusing FICO’s AI and decision management expertise into dacadoo’s platform, we’re creating better outcomes for insurers and their customers.”