MassMutual deployed an algorithmic underwriting system called the MassMutual Mortality Score (M3S) that uses machine learning to predict the mortality risk of life insurance applicants, replacing a points-based manual review process for most policies.

The M3S system uses survival modeling trained on millions of historical life insurance applications spanning 15 years, incorporating health, behavioral, and financial data to generate a mortality risk score for each applicant. According to a peer-reviewed paper published at AAAI by MassMutual data scientists, the system reduced time to issue policies by more than 25% and increased customer acceptance rates by more than 30% for offers made with light manual review. The underlying mortality model also underpinned LifeScore360, a product offered to other insurers via a now-discontinued subsidiary (LifeScore Labs); however, M3S continues to underpin MassMutual's own internal underwriting process.