Please join us for an interactive, one-hour webinar as two of our laboratory leaders, Betsy Sears and Dr. Jim Palmier, discuss current laboratory test interpretations, new tests on the horizon and how predictive modeling tools like Risk IQ are helping underwriters make more precise decisions.

  • Trend 1: Companies using  predictive modeling (Risk IQ) to more precisely and fairly underwrite applicants
  • Trend 2: More effectively detecting diabetics and pre-diabetics
  • Trend 3: Catching chronic disease states
  • Trend 4: Drugs of Abuse panels that help identify drug abuse in the insurance population
  • Trend 5: Using analytics to detect irregularities in the underwriting process
  • Trend 6: Using data to accurately assess an applicant’s past medical history: QuestCheck

Betsy Sears, Executive Vice President, Laboratory Strategy and Sales, will discuss recent upgrades to the standard life insurance testing profile and share how one company is using this data to improve mortality.

Next, Dr. Palmier, Vice President and Medical Director, will discuss some of the biggest concerns facing our industry, including medical non-disclosure, applicant fraud, and how insurers are using new tools to protect their bottom line.


Date: Tuesday, August 9, 2016
Time: 1:00 PM CST
Who should attend: Underwriters, reinsurers, actuaries

Register Now


betsy headshot

Betsy Sears
Executive Vice President, Laboratory Strategy and Sales

Betsy has almost 30 years of experience in the insurance laboratory environment. She works closely with ExamOne’s laboratory operations, research and development, and medical and sales staff on client end-to-end strategic solutions, and supports insurance customers through a variety of presentations on laboratory, medical and risk assessment topics.

Prior to joining ExamOne, Betsy served as Vice President and Laboratory Director of Osborn Laboratories for 14 years. She also has over 11 years of experience in clinical and hospital laboratory settings in New York City and Chicago, specializing in microbiology.

Betsy earned her B.S. degree in Medical Technology from the University of Missouri – Kansas City and her Master’s degree in Business Management from Baker University.

PalmierJim Palmier, MD, MPH, MBA, CEBS
Vice President and Medical Director

Dr. Jim Palmier’s career path has taken him from being a practicing clinician to a managing physician, and ultimately to a senior executive in the corporate healthcare space. He practiced Emergency Medicine at the Medical Center of Delaware, and did his fellowship in Occupational Medicine at Johns Hopkins School of Hygiene and Public Health.

His first major foray into corporate medicine was in the early 1990s at Mobil (now ExxonMobil), where he oversaw numerous medical clinics at the refinery and chemical plants near Beaumont, Texas. As Medical Director for ExamOne, Dr. Palmier oversees medical affairs, laboratory testing, research and development, and paramedical services. His focus on informatics and data-driven insights help the company to continue to create innovative solutions that solve real-world problems and drive shareholder value.

Dr. Palmier obtained a Master’s degree in Business Administration from the Wharton School of the University of Pennsylvania and a Master of Public Health (MPH) at the Johns Hopkins University School of Hygiene and Public Health, and earned his Doctor of Medicine from the State University of New York – Upstate Medical Center. He is residency-trained and board-certified by the American Boards of Emergency and Preventive Medicine.

As some in our insurance industry look to supplement laboratory testing with other forms of applicant information or attempt to save costs by eliminating laboratory testing completely from the underwriting process, other companies are concerned about the potential increased mortality risk and unsure what the right mix is for them. We understand this dilemma.

Our analytics and professional services teams are currently working very closely with carriers to analyze their applicant populations and design specific solutions to meet their objectives.

If your company is considering optimizing your laboratory testing in your underwriting process, here are three things to consider:

  1. How will we protect against applicant fraud? 
    A portion of applicants deny their tobacco use during the application process. Through cotinine testing, we can confirm 20% of applicants do test positive for tobacco. By removing the laboratory testing portion, you run the risk of seeing a high percentage of your applicants suffer from “smoker’s amnesia” which becomes a moral hazard risk to the carrier. When you know how your applicant population compares to your peers in terms of cotinine positivity as well as non-disclosure rates, you can more accurately design your product and minimize unnecessary risk.
  2. How will we protect against applicant non-disclosure (even unintentional) of their medical history? 
    Applicant non-disclosure of their medical history may be due to an undiagnosed disease risk or from an inability to recall a previously diagnosed disease. Medical history non-disclosure for pre-diabetes and heart failure can be over 90%. Diabetes non-disclosure is higher than 40% while hypertension non-disclosure is greater than 56%. This information asymmetry can increase future mortality risk without a paramedical examination that captures an applicant’s physical measurements and laboratory testing.
  3. How high is the mortality impact of diabetes and how will we price it?
    We are the first laboratory in the insurance industry to incorporate A1c testing into our standard insurance profile. According to the American Diabetes Association, there were 29.1 million Americans in 2012 with diabetes – 8.1 million of those cases were undiagnosed. Routine A1c screening is considered to be the “gold standard” in diabetes testing and allows insurers to identify applicants with diabetes and pre-diabetes. For a full analysis on the mortality impact of diabetes, please see the recent study published by MIB.

We are committed to helping you know your business’ mortality risk.To have a risk analysis performed on your business, please complete this request form. Our Professional Services team will contact you to schedule a time to discuss next steps.

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