Paramedical exams and related laboratory testing are vital pieces of the underwriting process when issuing policies to life insurance applicants. Inaccurate or incomplete data about an applicant could place him or her in the wrong risk pool, skewing their rating. Alternatively, the mistake can be an overlooked medical condition, leaving an insurance company exposed to claims that can cost thousands or hundreds of thousands of dollars.

3-Quality-errorsInsurers will always deal with accidents and other anomalies that actuaries can figure in their results, but they need accuracy in the basic information they gather about their applicants. These three common quality errors can have a significant impact on underwriting decisions.

  1. Specimen quality – Delayed centrifugation can cause low glucose values and mildly elevated creatinines. Exposure to heat prior to specimen centrifugation has the greatest effect on specimen quality. We recommend that centrifugation occur within a few hours for optimum serum quality and that specimens are kept cool during transportation. Note: in-center exams eliminate this error completely since specimens are centrifuged immediately.
  2. Incorrect physical measurements – When an applicant’s blood pressure reading is taken incorrectly, or height and weight are not collected properly, underwriters are unable to make precise decisions. This can cause problems for both the insurer and the applicant by delaying policy issue or influencing an incorrect risk rating. Our Examiner App on the iPad has significantly decreased interpretation errors of measurements collected during the paramedical exam.
  3. Incomplete medical history – The medical interview is an extremely important part of the paramedical exam process, giving the carrier an opportunity to assess the level of health of each applicant. Missing information often requires a followup call or appointment with an applicant, which can negatively impact his or her overall experience of the life insurance process. Our health history collection method on the iPad and through our call center helps our examiners provide a thorough paramedical exam.

As a service provider to insurance companies, we want our clients to be confident with the results they receive so they can be confident in their underwriting decisions. Errors cause serious implications for insurers, producers (agents and brokers), and their clients. An inaccurate result can jeopardize the relationship between a producer and a client. A broker, who has a choice of insurers to work with, may opt not to use insurers that have unreliable underwriting.

Choosing ExamOne for exams and laboratory testing means choosing quality. We’re committed to our clients and your applicants, and implement a number of practices and programs to ensure we operate with consistent accuracy.

To learn more about ExamOne’s quality monitoring programs, contact our Quality Department.

Medical Laboratory Professionals Week

by ExamOne on April 18, 2016

Lab Week iconAt Quest Diagnostics and ExamOne, we perform and interpret millions of lab tests each year. We know behind every test is an individual awaiting results plus a dedicated employee making sure that test is processed quickly and properly. This year these dedicated employees are recognized during Medical Laboratory Professionals Week (MLPW), April 24-30.

“Our lab employees are vital to our success. Their commitment to quality and excellence ensures ExamOne consistently provides the highest quality results to our clients and the life insurance industry,” said Dawn Forst, Director of Laboratory Operations, ExamOne. “We never forget the work we do is critical to helping applicants obtain the protection of life insurance.”

Our team joins the more than 300,000 medical laboratory professionals in U.S. “getting results” behind the scenes at our laboratories. They ensure the quality of laboratory results and help expedite the process for applicants obtaining life insurance, as well as allowing them to become more aware of their health. At ExamOne, we appreciate our laboratory professionals every day — but especially during MLPW. Thank you for your commitment to providing insights to insurers and applicants alike.

Get a look inside our Lenexa, Kansas laboratory in our YouTube virtual tour. For more information about careers in this field, visit

Is 100 the new 50?

February 29, 2016 Carriers

Have we found the secret to living longer? Maybe not, but life expectancy is on the rise. In less than a century, more years were added to life expectancy than all years added across all prior millennia of evolution combined.* Today, there are an estimated 35 million Americans age 65 and older, and over the next […]

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ExamOne Integrates DocuSign for a 100% Digital Life Insurance Application Process

February 4, 2016 Carriers

DocuSign Integration into ExamOne Policy Express™ Platform to Expedite Applications for Agents & Applicants   HIGHLIGHTS: ExamOne has integrated DocuSign eSignature into its Policy Express™ platform to provide insurance agents and applicants a faster, easier, more convenient and secure all-digital insurance application experience With DocuSign, agents and applicants can quickly, easily and securely prepare, send, […]

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Protect Your Family and Home – Radon Awareness

January 26, 2016 Carriers

ExamOne is committed to helping you protect your family. In addition to life insurance, there are other steps you can take to help safeguard the ones you love. One threat you may not be aware of is radon. Radon is a radioactive gas that occurs naturally in the environment, but anyone exposed to unsafe levels […]

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‘Tis the Season to Give Back

December 16, 2015 Carriers

At ExamOne and Quest we believe in giving back and encouraging our employees to “pay it forward.” Last year we gave $4.3 million to charities, $76.6 million in-kind gifts and more than 28,000 of our employees volunteered. ‪ This holiday season we are hosting our annual food drive for Harvesters Community Food Network, collecting toys […]

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Make Every Holiday Season Happy: Give the Gift of Life Insurance

December 16, 2015 Carriers

Do you remember all the gifts you have given or received during the holidays? Probably not. Gift cards, sweaters and iPhones can only go so far in life. Stop shopping this year for forgettable items and give something outside the (gift) box. Though you may not find it at the top of any list, the […]

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Diabetes Awareness Month: Using A1c as a Diabetes and Mortality Marker

November 6, 2015 Carriers

November is the start of Diabetes Awareness Month, an especially important event with the increasing numbers of those individuals with type 2 diabetes in the United States. According to the 2014 Diabetes Report Card, 29 million Americans are currently living with diabetes; there are about 8.1 million who are still undiagnosed. [1] Shockingly, diabetes causes […]

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Don’t fall victim to sleepless nights

October 28, 2015 Carriers

On Sunday, November 1st, we will “fall back” as daylight savings time comes to an end, and people across the country set their clocks back one hour and gain an hour of sleep. Nights get darker earlier, but are you getting enough sleep to match the longer nights? Currently, 40 million Americans suffer from chronic, […]

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Quest Diagnostics’ ExamOne Life Insurance Testing Business to Acquire Superior Mobile Medics

October 22, 2015 Carriers

MADISON, N.J., Oct. 21, 2015 /PRNewswire/ — Quest Diagnostics (NYSE: DGX), the world’s leading provider of diagnostic information services, announced today that its ExamOne business, the leader in helping insurers meet their underwriting needs, has agreed to acquire the business assets of Superior Mobile Medics. Based in San Diego, Calif., Superior Mobile Medics is a national provider of paramedical and […]

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