01
What it does
Health information exchange providing medical record retrieval services to the life insurance industry (APS/EHR retrieval)
02
Evaluation criteria
IME Hub rubric8 of 8 published
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Processing model
Not published as standalone entity (Clareto was acquired; clareto.com now redirects to MIB Group's EMD/RiskRighter product)
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Human QA
Included (successor MIB "RiskRighter" offers human-prepared EHR summaries)
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Typical turnaround
Successor product states majority of records released in under a day, "90% faster than the average traditional APS"
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Pricing model
Not published for Clareto specifically
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Indicative cost
Successor product claims ~50% average per-record savings vs. traditional APS retrieval
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Export formats
Successor product supports PDF, HTML, XML, JSON (Medical Data Consolidation service)
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Best for
Life insurance underwriting requiring rapid multi-source medical record consolidation
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Customer satisfaction
No public reviews found
03
Profile notes
Who it serves
Life insurance underwriting
Claims & platform notes
Health information exchange / EHR connectivity platform (specific platform name not published)
Review summary
Not independently rated in v1. Cited public reviews are listed in Sources; MedRecords assigns no star rating without verified evidence.
Competitive coverage
Key facts
| Segment | Insurance Underwriting & Payer Chart Review |
| Website | [Not published as standalone site post-acquisition (previously clareto.com)](https://Not published as standalone site post-acquisition (previously clareto.com)) |
| Ownership | Acquired by Munich Re Life US in 2022 (from prior independent/investor ownership); subsequently acquired by MIB Group from Munich Re, announced ~May 2025 |
| Not published | Founded · HQ · Headcount · Pricing · Turnaround · Certifications |
