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Risk Apps Is

A modular underwriting manual

We have taken all the pieces of a traditional set of guidelines, and a few more, and created a true ‘mix and match’ solution, enabling you to choose as many components – or apps – as you wish.

Apps come complete with content provided. And the content is updated, ensuring that it remains current.

There are rating guidelines for life, critical illness, disability income, long-term care and 
a range of additional benefits including total and permanent disability.


Medical guidelines represent the heart of any underwriting manual, and RiskApps is no exception. Covering hundreds of medical conditions and related risk factors, its scope is all you would expect.
The medical section best illustrates the RiskApps philosophy for presentation of information – informative but concise and easy to use. Each medical topic is divided into:

  • Description
  • Causes
  • Symptoms & diagnosis
  • Treatment
  • Assessing the risk
  • Ratings
  • Each is displayed in its own tab for easy reference

Occupation guidelines

An applicant’s occupation is still a significant risk factor – especially for disability insurances.

RiskApps provides guidelines covering occupational risk in respect of a whole range of benefits. You can choose between guidelines based on conventional occupation titles or on the duties carried out by the individual applicant – ensuring the assessment truly matches the risk.

Financial guidelines

Financial underwriting is always a thorny subject. Cases with large sums assured/face amounts vary enormously in purpose and background, and each requires very individual assessment.

And yet the fundamental principles of financial underwriting apply to all cases, large and small.

RiskApps describes the principles of financial underwriting and contains guidelines for risk assessment.

It also features a range of questionnaires covering essential background information.

We can also include a ‘financial wizard’ that can be programmed to carry out a basic financial underwriting check according to your internal guidelines.

Sport guidelines

Guidelines for all the obviously risky sports and pastimes – and also for the less obvious ones that are significant from a disability viewpoint.

From abseiling to zorbing, RiskApps has it – with all the familiar ones like aviation sports, diving and mountaineering in between.

Travel guidelines

If the world seems a more dangerous place it’s because news coverage of events around the globe is so extensive and so readily available.

While we all have a better idea of what is happening where, what are the real risks for mortality and morbidity?

RiskApps has background information and risk factors for over 200 countries plus rating guidelines as appropriate.

And we can set up links to and direct feeds from websites appropriate to your market, giving your underwriters access to up-to-date information.


RiskApps has calculators for:

  • Body mass index (BMI)
  • Blood pressure
  • Lipids (total and HDL cholesterol plus triglyceride).

There is also a cardiovascular risk calculator that combines BMI, blood pressure and lipids with smoking and glucose metabolism, and takes account of the interactions between these risk factors.

The BMI calculator in particular can be made available as a stand-alone tool for use by agents, brokers and other financial advisers.


FAct is our ‘first action’ app aimed at agents, brokers and other intermediaries – and even for consumers as well.

FAct is designed to tell a non-expert audience about medical conditions and other risk factors and explain their implications for life, critical illness and disability insurance.

It gives basic background information expressed in simple terms and then, via a short series of questions, gives an indication of the impact, if any, the risk factor has on acceptability for cover.

Mix and match

With RiskApps you have options galore:

  • Choose which apps you want – from a full underwriting manual to one app or even just a calculator.
  • The content can be modified as much as you want – from adjustments to ratings so as to follow your own individual philosophy, to a bespoke solution.
  • If you really want, you can buy just the content and host it and maintain it yourself.

Other options

RiskApps gives you lots of other options that enable the content to be tailored to your requirements or personalised to the wishes of individual users. You have control over what RiskApps does, how it looks and behaves, and how much users can do. For example, you can:

  • Create links to relevant websites
  • Add documents containing supplementary information and guidelines
  • Add personal and shared notes
  • Alert users to changes, news, events, new instructions, etc when they sign in

We use Microsoft SharePoint technology

This means strong familiarity with your existing IT systems and provides the flexibility to scale up and out as your needs expand. Because we host RiskApps, all the infrastructure issues lie with us; all your users need is access to the Internet.

RiskApps is provided as software as a service (SaaS). We host it, you use it; it’s as simple as that.

Why Choose Risk Apps?

There couldn’t be a better route to an underwriting manual

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It’s quick. You can have RiskApps up and running in a few weeks – not months or even years
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It’s incredibly cost-effective – far , far cheaper than building your own and enabling deployment of precious resources elsewhere
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Because it’s provided by SaaS you pay monthly or quarterly – so with no huge lump-sum outlays budgeting is easier
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It’s flexible – you choose the scope you need. And if you need a more tailored solution, we can do that • It comes from an expert team and there’s a strong evidence base
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Content is reviewed regularly so that it remains up to date
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Its features are as good as – if not better than – any other manual
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It uses proven technology
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It can be branded as your own