Educational Resources

Simplified Issue Conundrum White Paper

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.

Download our white paper for the full discussion.


Medical Director, Dr. Jim Palmier and Director of Analytics, Brian Lanzrath’s work was cited in a recent publication of Disease Markers. Read the full article that discusses how GGT can be a predictive biomarker of cellular antioxidant inadequacy and disease risk.

Read full article.

The Journal of Insurance Medicine published an article written by Medical Director, Dr. Jim Palmier and Director of Analytics, Brian Lanrath. Read their study that evaluates nearly 6.2 million life insurance applicants for whom both tobacco-use interview questions and a confirmatory urine cotinine test were evaluated for consistency between self-reported and laboratory-confirmed tobacco-use status.

Read full article.

Archived Publications

2013 September Issue of Hot Notes 

2012 October Issue of Small Talk

2012 January Issue of Small Talk