Foxo SPAC Presentation Deck
EPIGENETIC BIOMARKERS
Why saliva-based
underwriting is a
compelling opportunity
• LIMRA identifies medical underwriting as the single greatest pain point in
this customer experience (1)
.
Agents loathe inconvenient, invasive, time consuming blood
& urine specimen collection required for medical underwriting
Accelerated underwriting is growing but represents only a fraction of
business produced by Agents
Agents represent 77% of all life insurance premiums sold in U.S. (2)
Regulatory does not prohibit use of epigenetic information to measure
same risk factors obtained through blood and urine
"All things being equal, the carrier that adopts saliva-based
underwriting in replacement of blood and urine specimens doesn't get
some of the agent business, they get all of it" (3)
(1) LIMRA https://www.limra.com/en/events/conferences/2022/2022-life-insurance-conference/
(2) 2Q 2021 LIMRA U.S. Retail Individual Life Insurance Sales
(3) Maddock Douglas Survey (2019)
FOXO INVESTOR DECK 2022 Page 24View entire presentation