What is Human API?

The Human API platform pulls all your medical records electronically to provide life insurance companies with a thorough analysis of your health history.

Headshot of Policygenius editor Nupur Gambhir

By 

Nupur Gambhir

Nupur Gambhir

Senior Editor & Licensed Life Insurance Expert

Nupur Gambhir is a licensed life, health, and disability insurance expert and a former senior editor at Policygenius. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service Cake.

Updated December 9, 2021 | 3 min read

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The life insurance application process can take five to six weeks. But if you'd like to get coverage as soon as possible, some insurance companies use Human API to speed up the underwriting process.

Human API can significantly speed up a life insurance application decision by pulling all of your medical records electronically, letting you skip the medical exam. But, only a handful of life insurance companies use Human API to underwrite applicants — and your doctors also have to use the platform for it to work. If Human API isn’t available to you and you are unable to take the medical exam at this time, there are other options available to get coverage quickly and safely.

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What is Human API?

Part of the life insurance application is a thorough evaluation of your medical history and health. This includes questions about your background, a medical exam, and sometimes an attending physician’s statement (APS). Traditionally, any requested records have to be mailed or faxed. The entire process can take a few weeks.

Human API eliminates the need for this process and enables insurers to fast-track the application process. Instead of requiring you to take an entirely new medical exam to gauge your health, applications using Human API pull information from your previous doctor’s visits using Electronic Health Records (EHR). Insurers have the information they need within 20 minutes and are able to make an application decision shortly after — getting you life insurance coverage almost immediately.

How does Human API work?

Insurers won’t be able to pull your records without your consent; the entire process complies with HIPPA and requires your authorization. There are a few steps you’ll need to take to permit Human API access:

  • Read through your email invitation and terms and conditions.

  • Accept the terms and conditions disclosure.

  • Locate and enter your provider’s information.

  • Connect your account.

  • Give permission for your records to be released.

Any of these records come directly from your medical provider and cannot be modified by you or the Human API platform.

What records are available through Human API?

The information that Human API releases to your insurer will only be about your medical background — and legally, can only be used for its intended purpose. Insurers will likely have access to details about your medical visits, diagnoses, test and lab results, medications, and immunizations. You’ll be able to see any records that the insurer can access.

If you decide you don’t want insurers to have access to your medical records, you can rescind access at any time — just know that those records then cannot be used for your life insurance application and you might need to take the medical exam to get coverage.

Am I eligible for Human API?

Your ability to use Human API when buying life insurance largely depends on its availability. To use it for your life insurance application, your prospective insurer must use Human API to gather medical records and your medical providers must already use the program to store data. If both parties don’t already participate, the platform won’t be able to access your information.

What if my insurer or medical provider doesn’t use Human API?

Even if you’re unable to use Human API to fast track your life insurance application, you can still get quick coverage. Instant decision life insurance policies like the Brighthouse SimplySelect policy don’t require a medical exam and, similarly to Human API, pull your records while you’re on the phone applying (with your consent).

Some applications require further investigation, but if your application is approved, your life insurance coverage can go in force almost immediately after your phone call.

If you’re not eligible for an instant decision life insurance policy, you also have the option of getting a no-medical-exam life insurance policy. The application uses your previous records to evaluate your health, but doesn’t do so instantly. No-medical-exam policies tend to take the same time as traditional life insurance policies to retrieve and analyze your previous records, so you’ll still have to wait to get coverage. To make sure your loved ones are financially protected in the interim, you can get temporary coverage.

The Human API platform speeds up the life insurance application process and can get you necessary coverage almost immediately, but it’s not always available. If you'd like to forgo taking an in-person medical exam, you can apply for coverage from an insurer that offers no-medical-exam coverage.

Frequently asked questions

What do insurers use Human API for?

Life insurance companies use Human API to collect and evaluate your medical records to assess the risk of insuring you and set your policy premiums.

What information is shared using Human API?

Your medical records, such as medical visits, diagnoses, and lab results can be shared using Human API, but only with your consent and for its intended purpose.

Can anyone use Human API?

You can only use Human API if both your insurance provider and your medical provider use the platform.