Allied National Selects Gradient AI to Streamline its Group Health Underwriting Process to Support Strategic Growth

Gradient AI’s Solution Improves Underwriting Accuracy, Reduces Quote Turnaround Time, Enhances Customer Experience

BOSTON–(BUSINESS WIRE)–#BIGradient AI, a leading enterprise software provider of artificial intelligence (AI) solutions in the insurance industry announced today that Allied National, one of the nation’s oldest Third-Party Administrators (TPAs), is integrating its 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.

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. The 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.

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. 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,” stated Bill Ashley, CEO of 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.”

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. It 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.

“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,” stated 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.”

About Allied National

Allied National, a 90 Degree Benefits Company, was founded by the Ashley family in 1970, is one of the oldest Third-Party Administrators in the country. Throughout its history Allied has brought expertise and innovation to the small employer and individual benefit market. Allied developed one of the first Multiple Employer Trust plans serving small employers in 1970 and has operated in the fully-insured individual and small group markets for over 50 years. Allied is a nationally recognized brand name with unique products and services that make it the administrator of choice for over 110,000 members nationwide. It offers products and services to a broad market area across the nation and is a long-term player and leader providing innovation in the industry. Allied focuses on non-ACA products including small employer level-funded programs and short-term medical products for individuals.

90 Degree Benefits is a health benefits company with a mission to help employers “Make the Right Turn™” for their business with strategically crafted benefit offerings. 90 Degree Benefits has 18 offices serving over 425,000 members nationwide. 90 Degree Benefits is a subsidiary of Blue Cross Blue Shield of Alabama.

About Gradient AI

Gradient AI is a leading provider of proven artificial intelligence (AI) solutions for the insurance industry. Its solutions improve loss ratios and profitability by predicting underwriting and claim risks with greater accuracy, as well as reducing quote turnaround times and claim expenses through intelligent automation. Unlike other solutions that use a limited claims and underwriting dataset, Gradient’s software-as-a-service (SaaS) platform leverages a vast dataset comprised of tens of millions of policies and claims. It also incorporates numerous other features including economic, health, geographic and demographic information. Customers include some of the most recognized insurance carriers, MGAs, TPAs, risk pools, PEOs and large self-insureds across all major lines of insurance. By using Gradient AI’s solutions, insurers of all types achieve a better return on risk. To learn more about Gradient, please visit:


Elyse Familant