Feel Confident in Your Underwriting Decisions

by Willie Valdes on August 24, 2015

QuestCheck 082415With our exclusive access to clinical laboratory results from Quest Diagnostics, underwriters now have faster access to specific health information from applicants. If applicant consent* is obtained, underwriters are provided with instant protective value through the historical health database by receiving information that would traditionally be found in the APS.

Additionally, by checking the clinical laboratory history of an applicant, underwriters can build a more complete health profile. QuestCheck® provides underwriters access to three years of clinical information – providing laboratory history, physician diagnosis information and physician related information to underwriters.  This allows underwriters to do their job faster and more efficiently.

Several insurance clients have expressed their interest with QuestCheck during meetings at our Lenexa laboratory. Through a recent QuestCheck pilot, two approaches were studied. The first approach reviewed cases where a policy had not been issued by the insurance carrier. The second approach evaluated those cases where the underwriting decision had been made and a policy was issued.

When QuestCheck was ordered as part of the underwriting process, the report revealed conditions not disclosed by the applicant during the telephone interview. Due to the uncovering of these conditions, the insurance carrier rescinded their policies issued to applicants.  Below are a few policies that highlight the findings of QuestCheck.

Case #1: Applicant answered no to all questions on application for non-medical policy, including the kidney/renal question.
Findings: QuestCheck revealed severe Chronic Kidney Disease/IgA nephropathy that pre-dates the application.

Case # 2: Applicant answered no to all questions on application for non-medical policy, including the liver disease/hepatitis question.
Findings: QuestCheck revealed a positive Hepatitis C test three months before application.

Case #3: Applicant answered no to all health questions, including cardiovascular/heart question.
Findings: QuestCheck revealed renal insufficiency and anemia.  APS confirmed severe cardiomyopathy, pulmonary hypertension and mitral stenosis (in addition to renal insufficiency and anemia)

During the review of post-issued policies, QuestCheck revealed conditions that were not disclosed during the interview. Had QuestCheck been ran during the underwriting review, certain conditions would have been discovered and the insurance carrier would not have issued almost $700K in policy contracts.

58 year old: QuestCheck revealed tumor markers ordered by oncologist 1 day before application.

49 year old: Quest check revealed positive Hepatitis B testing ordered by an oncologist prior to application.

31 year old: QuestCheck revealed severe renal insufficiency (Serum Creat >9.0) and anemia prior to application date.

65 year old: QuestCheck revealed uncontrolled diabetes, chronic microalbuminuria, and chol/hdl ratios of >9.0 prior to application date.

58 year old: QuestCheck revealed elevated CEA three days before the application.

Clients utilizing QuestCheck have seen the benefits of this service and believe it has helped them during their underwriting process. One client stated, “QuestCheck provides an important piece of the underwriting puzzle and helps ensure the correct decision is made.” Another client explained, “QuestCheck helps save money by decreasing operational and requirements costs.”

As a leader in the insurance industry, we are committed to helping our clients obtain the best and most accurate data, to aide in precision underwriting. To find out more about QuestCheck or to conduct a pilot on your cases, please contact your Strategic Accounts Executive.

*Applicant must provide consent for carrier and ExamOne to run QuestCheck.

Our Employees Are Commitment Champions

by ExamOne on July 30, 2015

Committed2 YouAs you’ve seen in our advertising and on social media, we launched a “Committed” campaign this year. We wanted a theme to encompass three promises: our promise to be a leader in the life insurance industry; to help families protect their loved ones; and to be the best employer to our employees.

We extended this theme more internally by designating July 14 as “Commitment Day” to appreciate our employees who champion this cause. We asked them to express their commitments by writing them on a wall, taking fun captioned pictures and by posting what they are #Committed2 on Twitter.

“I was proud to see all our employees’ pledges to our industry, clients and applicants,” said ExamOne President Troy Hartman. “We want to celebrate these commitments and let employees know their dedication and hard work does not go unnoticed.”

Employees also heard updates from the ExamOne leadership team and had the opportunity to ask questions. Field employees were encouraged to participate in Commitment Day by sharing their commitments and office pictures on social media. The goal of day was not only to be a fun thank you to employees, but also to recognize the important role they play in both our company and your company’s success. The event also helped strengthen our common commitment of helping 95 million Americans without life insurance protect their families.

The festivities might have only lasted one day, but our employees are committed to you — our clients — and applicants every day.

See more from Commitment Day on Facebook!

Series: Committed to Quality – Laboratory Accuracy

July 15, 2015 #Committed2 You

ExamOne’s laboratories test more than 15,000 life insurance specimens every day, and, as a result, manage requirements for more than $844 billion in life insurance every year. We take that responsibility seriously and relentlessly use Six Sigma practices to ensure we are providing virtual perfection in our laboratory. We know that errors and inaccurate results […]

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Series: Committed to Quality

July 10, 2015 #Committed2 You

At ExamOne, quality is more than a goal – it’s a commitment. Our quality initiatives can be seen in every piece of our business and we take pride in our data integrity. Your applicants deserve the best service and you deserve the best data, and both are achieved through consistently high quality. As we work […]

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In 2015, I’m Committed To: Laboratory Excellence

July 6, 2015 #Committed2 You

Dawn Forst serves as the Director of Laboratory Operations for ExamOne and oversees laboratory operations for the Midwest region. Dawn and her team play a vital role in the critical testing ExamOne performs to help applicants obtain the protection of life insurance. “Each day, our laboratory processes thousands of specimen samples and we perform thousands […]

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Prescription History Profiling Tool Translates Rx Claims Information

June 23, 2015 Carriers

As an underwriter, wouldn’t it be great if you could gather greater insights into your applicants’ prescription history? What if there was a tool that helped facilitate precision underwriting? In fall of 2014, ExamOne acquired MedPoint from OptumInsight. As part of ExamOne and Quest Diagnostics, our prescription database increased, providing you with a more in-depth […]

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June is Men’s Health Month

June 15, 2015 Carriers

This June, ExamOne is committed to raising awareness about men’s health. Many serious health conditions can be prevented or detected early with regular checkups. Below are some of the regular screenings recommended for men1: High blood cholesterol – Regular testing is recommended for men over 35. High blood cholesterol increases chances for heart disease, stroke […]

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In 2015, I Commit To: Ensuring Client Success and Security

May 22, 2015 #Committed2 You

ExamOne is committed to our clients and their business, and we are constantly working to ensure their success. Rick Kingcade, Vice President, Business Development and Strategic Services, and his teams take that commitment to heart. “I’m committed to ensuring ExamOne leads the industry with resources and solutions that provide the highest level of security and protection […]

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In 2015, I Commit To: Customer Service

May 1, 2015 #Committed2 You

John Ballou serves as ExamOne’s Director of Informatics, overseeing a team responsible for quality assurance, data reference and reporting. In 2015, John and his team continue to be committed to delivering the highest level of customer service: We are dedicated to a Six Sigma quality assurance process that ensures ExamOne continues to provide valuable, innovative […]

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Action from Insight – ExamOne and Quest Diagnostics Commitment

April 27, 2015 Carriers

Quest Diagnostics, parent company of ExamOne, is currently undergoing a brand refresh with a new look, a new logo and a new slogan: “Action from Insight.” In April, the logo made its debut on and all of Quest’s social media sites. “We’re refreshing our brand. We’re tightening up our ability to talk about our […]

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