To make the best underwriting decisions, you need accurate, thorough information and you need it fast. EMSI’s eSEARCH services dig deeper and work faster than a standard personal history by scouring a variety of online database resources for applicable, reliable information on a subject. You receive a detailed, unbiased look at an applicant, so you can make informed underwriting decisions and cut cycle time.
We get the information you need quickly, typically within 24 hours. We provide a wide variety of information necessary for making a good underwriting decision. We compile all of the data into an easy-to-read report. Our eSEARCH services provide:
- CheckRx prescription history profiles
- A criminal tips and leads search
- Credit and identity verification
- Motor Vehicle Report
Combine, customize our services
You may choose to combine a traditional EMSI inspection interview with an eSEARCH report. You can also combine a CheckRx report with a personal history questionnaire – giving your underwriters a full understanding of an applicant’s condition as well as treatment and compliance with their treatment/drug regimen. We deliver exactly the information you specify, delivered exactly how you ask to receive it.
EMSI integrates its teleunderwriting process by streamlining all of the requirements. When you request an eSEARCH report, we also can integrate the results of application interviews and CheckRx reports. All of our services work in concert to give you a complete picture in the shortest amount of time possible.
Comprehensive investigative services
eSEARCH also offers additional investigative reports for complete risk assessment. Provided by ICS Merrill, the investigative services division of EMSI, you can request:
- Detailed business beneficiary reports
- OFAC search
- Civil suits or judgments
- Federal tax liens
- Professional licenses and address verification
- Average home price by ZIP code
- U.S. citizenship history
Put our experience to work
We put our experience, size and expertise to work for most of the top 20 insurance carriers in the country. We’re known for personalized customer service, advanced technology, one-source solutions and flexible service options. We work with every client to make sure you receive the best of our resources – delivered on time and on budget.