What Is AIG SmartScore?
AIG SmartScore is a proprietary algorithm that estimates an individual's life expectancy based on health data, lifestyle choices, and demographic factors. The score ranges from 0 to 100, with higher numbers indicating a longer predicted lifespan. Insurance underwriters use the score to set premiums and assess risk.
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Key Components of the Score
The algorithm incorporates:
- Medical history: chronic conditions, surgeries, and medication use.
- Lifestyle habits: smoking status, alcohol consumption, exercise frequency.
- Environmental factors: residential area, occupational hazards.
- Genetic predispositions: family history of major illnesses.
How Longevity Affects Premiums
Generally, a higher SmartScore lowers the risk profile, leading to more competitive rates. Conversely, a low score may result in higher premiums or limited coverage options. Insurers typically adjust the base rate by a percentage that correlates with the score differential.
Verifying Your SmartScore
To confirm your score:
- Log into the AIG member portal and navigate to the "SmartScore" section.
- Request a PDF statement that lists the score and the data points used.
- Cross‑check the score with any independent health assessments you have.
Improving Your Score
Actions that can positively influence the score include:
- Quitting smoking and limiting alcohol.
- Maintaining a healthy weight and regular exercise.
- Routine medical check‑ups and managing chronic conditions.
- Updating family medical history as new information becomes available.
Limitations and Transparency
AIG does not disclose the exact formula behind SmartScore, and the score may not capture every nuance of individual health. Insurance applicants should review the underwriting guidelines and, if necessary, consult a financial advisor to understand how the score applies to their specific policy.