Educational Resources

Webinars

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.

Listen here

 

White Papers

HealthPiQture

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.

Read white paper

LabPiQture

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.

Read white papers

Oral health care indicators

In April 2022, ExamOne and Sikka.ai 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.

Read white paper

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.

Read full white paper

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?

Read full white paper

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.

Read full white paper

 

Studies

LabPiQture

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.

Read Case study

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.

Read the case study

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.

Read study

Laboratory

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
 

Publications

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 sikka.ai‘s Lewis Goldman in the September/October 2022  issue of Hot Notes.

Read full article 

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.

Read full article

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.

Read full article

Accessibility Tools
hide