Educational Resources


Catch up on our recent webinars that help illustrate the effectiveness of our offerings like personal history collections, oral healthcare data, the protective value found for life insurance underwriting through laboratory testing, and more.

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White Papers


PartnerRe’s independent evaluation of the HealthPiQture model confirmed its association with mortality risk and its additional predictive lift over the individual constituent scores in isolation.

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LabPiQture has become an integral part of many underwriting decisions. In addition to clinical laboratory results, detailed information such as diagnosis codes, LOINC codes, and ordering physician information has proven valuable. Reinsurers have been actively engaged in studying subsets of deidentified LabPiQture data to evaluate the effectiveness of this unique information source.

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Predictive model for reflex hepatitis B testing

ExamOne® recently sought to produce a better reflex rule for hepatitis B screening in life insurance using predictive modeling. In a new study, OptimumRe evaluates the performance of the ExamOne model in comparison with conventional reflex rules that are solely based on the results of liver function tests.

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Oral health care indicators

In April 2022, ExamOne and announced a collaboration to provide oral healthcare information through HealthPiQture. Sikka published a whitepaper on the use of Sikka Health Indicators™ to identify health risks among insurance applicants.

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Cystatin C: Transforming cognitive and frailty screening

This white paper shows the correlation of Cystatin C levels and the impact it has on cognitive function and physical frailty. Learn more about how uncovering high levels of Cystatin C is helping insurers identify potential areas of concern for the proposed insured.

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To fast or not to fast

Is fasting still recommended prior to a paramedical exam? The majority of health exams are not done early in the morning, but rather fit into a schedule that is convenient for applicants. So, how often does the length of time of fasting before a blood draw actually influence the test results used in insurance risk assessment?

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Simplified Issue Conundrum 

What implications does a simplified issue product have and how will it affect your applicant? While we want to make the life insurance process as easy as possible for applicants, eliminating the exam may not be the [right] answer.

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ExamOne was asked how insurers can quickly and confidently determine if their applicant has kidney disease. In this case study we show how eGFR results highlighted in LabPiQture uncover or disprove chronic kidney disease.

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Personal History Collections

ExamOne was asked to look at alternate ways to gather detailed health and lifestyle information needed to assess the risk of the proposed insured. Learn how a leading carrier used ExamOne’s personal history collections to improve overall performance and consumer engagement.

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Oral health care indicators

A recent ExamOne study of oral healthcare data in production demonstrated the effectiveness of oral healthcare indicators for life insurance underwriting.

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The leading industry laboratory providers joined forces to create a robust deidentified dataset of life insurance applicants spanning the years 2015-2022.  Consultant Doug Ingle, FALU, FLMI, analyzed the data and published studies on the findings.

  1. Life insurance laboratory collaboration study I: $4 billion tobacco misrepresentation cost to the life insurance industry
  2. Life insurance laboratory collaboration study II: $2.6 billion of protective value identified through paramed and laboratory underwriting evidence


Using Sikka Risk Indicators with HealthPiQture Data

Learn more about the benefits of oral healthcare data for life insurance underwriting from ExamOne’s  Brian Lanzrath and‘s Lewis Goldman in the September/October 2022  issue of Hot Notes.

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Clinical Laboratory and Biometrics Measures Used to Assess Risk

There was over $20.8 trillion of life insurance in force in the United States in 2015 (American Council of Life Insurers, 2016). Many of these policies were issued by insurance carriers whose medical directors, actuaries, and underwriters are experienced in evaluating, underwriting, and managing risk.

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Applicant Medical and Smoking History Nondisclosure in the Life Insurance Marketplace

An applicant’s self-disclosed medical and smoking history continues to be critically scrutinized during the life insurance application process for simplified, accelerated, and full underwriting. Increased mortality risks are known for many diseases and practices, including hypertension, diabetes, kidney disorders, heart disorders, and tobacco use.

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