Allied National Selects Gradient AI to Streamline Group Health Underwriting

The vendor’s SAIL solution improves underwriting accuracy, reduces quote turnaround time and enhances customer experience.

(Image source: Allied National homepage.)

Allied National (Overland Park, Ks.), one of the oldest TPAs in the U.S., is integrating Gradient AI’s (Boston) SAIL solution to streamline the underwriting process for its small group level-funded product. By using Gradient AI, the company can more accurately predict risks to establish pricing, reduce quote turnaround time, and improve the customer experience while offering competitive pricing, according to a Gradient AI statement.

Bill Ashley, CEO, Allied National.

Allied National specializes in individual and small group risk-based products for companies with two to 100 employees. Due to its recent growth, the company sought to streamline and improve its underwriting process to support its future expansion. Allied National’s goal was to gain a more complete picture of a group’s risk profile while reducing the manual effort and time to develop an accurate and competitive quote, according to the statement.

After evaluating competitive solutions, Allied chose Gradient AI’s SAIL product due to the solution’s robustness and its unique combination of both prescription and medical data to inform its predictions. The company is now in production with SAIL and has integrated it into its underwriting operations. Gradient AI says that it has become an integral part of Allied National’s strategic growth plan as the company continues to serve the growing marketplace.

“During the proof of concept, we found that SAIL’s highly accurate risk assessment capabilities combined with its access to prescription and medical data, makes it superior to other solutions in the marketplace,” says Bill Ashley, CEO, Allied National. “SAIL enables us to turnaround quotes quickly at a competitive price for targeted groups with the confidence that we have a more complete picture of a group’s risk.”

Five-Question Knockout Application

Stan Smith, CEO, Gradient.

SAIL is Gradient AI’s group medical underwriting solution that evaluates the potential cost of submissions, provides intelligent predictions, and integrates into the automated underwriting processes.  The vendor reports that SAIL has already successfully automated Allied National’s many manual processes associated with underwriting, including eliminating cumbersome individual health questionnaires. Having access to both prescription and medical data has enabled Allied National to use a streamlined five-question knockout application to eliminate any short-term specific risk that may not be revealed in the dataset, Gradient AI says.

“We are proud and excited to have one of the nation’s oldest and most respected TPA’s choose Gradient AI to support its underwriting operations,” comments Stan Smith, CEO and Founder of Gradient AI.  “We look forward to our continued partnership with Allied National and support its work to offer its customers high quality and competitive health insurance solutions.”

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Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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