SCOR SE developed an innovative biometric risk calculator to improve the underwriting process. The company’s latest digital innovation, Vitae, addresses these key underwriting complexities through the automation of the risk assessment process. Vitae is a cutting-edge biometric risk calculator based on advances in medical research and employing innovative Machine Learning techniques. The automation enables more accurate risk assessment based on a wider array of medical factors and simplifies the underwriting process, ultimately yielding a better experience and a greater potential for solutions for end customers. Vitae, with its calculator Vitae CVR for cardiovascular risk, is embedded in the company’s underwriting manual, SOLEM. Vitae CVR is also proposed as an e-underwriting solution for SCOR clients.