Join us for a summer road trip

by Brittany Smith on June 21, 2017

Our industry is built on relationships. The relationships that carriers, agents, and brokers have with their clients, and the relationships between vendors and partners like us. For our part, we are committed to bringing the most value that we can to these relationships. From our sales representatives in the field to the operational teams in our offices, we build our days around helping our clients work more effectively and providing the best possible experience for applicants. To highlight our dedication, we are going to take a peek into the “day in the life” of our team and how they are committed to putting clients and applicants first.

-Brittany Smith, Sr. Sales Representative in Las Vegas, NV –
Summer road trip fun fact: It’s Las Vegas, enough said.

Follow Brittany on LinkedIn:
Connect with Michael on LinkedIn

Please join us on a summer road trip as we visit our employees who are committed to our clients and applicants across the country.

First stop: Travis Vang, Sr. Sales Representative in San Jose, CA –
Summer road trip fun fact:
San Jose was founded in 1777 and before Sacramento, it was the state’s capital.

Committed to clear communication

I have been a part of the ExamOne family since 2013 and I see my main role as a liaison between agents and examiners. The most enjoyable part of my job is being able to interact with agents and listen to their needs on how I can help them grow their business. It is also important to stay transparent with the examiners and the ExamOne office I work with, so we are all on the same page. When my office schedules a medical exam, I like to make sure that I communicate to our examiners to complete each case with the same level of service and dedication. If our examiner goes out to complete an exam for a $100,000 policy and then follows up with an exam for a $1,000,000 policy, they understand the importance that each case should be treated with top priority, regardless of the amount of insurance.

“I try to ensure that our examiners treat every exam with equal importance and I communicate this to my clients as well.” –Travis

Life insurance agents have an important duty, and that is to help and protect families by trying to ease the burden of losing someone close to them. It is my job to help them in this process. If our service is courteous and quick, and our communication is clear, then everyone benefits from our process.

Follow Travis on LinkedIn: 

Welcome to Texas! Charlotte Wallace in Austin, TX –
Summer road trip fun fact: Austin is the only city in the world known to still operate a system of Moonlight towers, lighting structures from the 19th century.

Committed to serving others

As a Branch Manager my job is to serve. I have to look at all aspects. The office staff and the challenges we face, the calls coming in and agents with questions or checking up on progress of clients. Sometimes I tell folks that “I am wadin’ in the weeds looking for those squiggle things.” A typical time that I start my day is 6:45 a.m., because there are things to be done. Right away I respond to agents, or follow up with examiner questions. I check in with customer service representatives in charge of exam completions. We hold meetings where I get a chance to listen to my staff’s concerns and counsel them and put a smile back on their face. After grabbing myself a soda I pour it into my motivational cup reminding me “today I will make magic happen.”

“Before ending my day, I make sure that I am thankful for my life that allows me to have a right heart, a right mind, and a right spirit to make it through my day tomorrow.” – Charlotte

As a branch manager it is my job to serve. It is also my calling because I believe that to be a good leader I must first be a good servant.

Follow Charlotte on LinkedIn:

Make sure to visit our blog frequently this summer to meet more employees committed to you across the country.


Applicants want to see our commitment to them

by Troy Hartman on June 15, 2017

Transparency:  characterized by visibility or accessibility of information especially concerning business practices.

I recently came across an article on my LinkedIn news feed posted by LIMRA – “What kind of experience do consumers want when buying life insurance.” I was excited to gain this applicant insight because:

1) The MIB index showed three consecutive months of decline (Jan – March 2017)
2) If our industry is shifting, we need to understand how the consumer’s expectations are shifting too
– or are they?

3) I thought it may be a “trick” question, because I thought obvious answer would be , “A pleasant and
convenient experience.”

So I read it and here it is: Consumers want transparency – the same way they would if they were buying other retail products or travel. This got me wondering, “Are we, as an industry, being transparent enough to life insurance applicants?” And my answer is, “No.” In March, I wrote about how our industry is changing fast. This article confirmed that being more transparent is a great example of how we can change for the better.

Here are three reasons I feel we can be more transparent to those in the market for life insurance, making their decision for this important investment easy and simple.

Communicate the affordability of life insurance

The 2017 Barometer study, conducted by LIMRA and Life Happens, showed four in 10 millenials overestimate the cost of a term-life policy by five times the actual cost. Why do consumers think life insurance is so expensive, when in reality, people spend more on cell phones and eating out, versus the monthly premium of life insurance?

The younger someone is, the more affordable life insurance typically is. This is because they are more likely to be healthy with fewer existing/pre-existing health conditions. Help them see the importance of the inexpensive investment today to protect their loved ones tomorrow.


Stress the need for life insurance, regardless of an applicant’s age.

One reason you may hear an applicant doesn’t need life insurance is because they don’t need it at their age. AFLAC provided a great myth vs fact infographic on why life insurance is good at any age. Even a small term-policy can help a family or loved ones cover accrued debt in the event of an individual’s death. You don’t have to be a certain age, or married with kids to take out a life insurance policy.



Share the benefits of having a paramedical exam

Some applicants may not understand how having a life insurance exam could actually help them when applying for life insurance. Some may not even know that is an option or what it even entails. Let’s educate them and let them know that by getting this simple health exam, they are likely to receive a better premium if they are a healthy non-smoker. Additionally, when they have their health exam, they receive their laboratory results which makes them more aware of their health – a transparency of its own. While having an exam may not be necessary for all types of policies, the applicant should understand how one could help them.


Let’s come together to be more transparent. Whether it’s discussing the true cost of life insurance, or helping an individual obtain the best price for his or her policy, it is up to us to be transparent during the life insurance process. Seeing eye-to-eye with applicants helps us maintain and build trust with consumers.

How life insurers can support men’s health with actionable insights

June 5, 2017 Carriers

This June, we’re committed to raising awareness about men’s health. Insurers have a unique opportunity to support applicant health because of the health discovery process during a life insurance application. Prevalence of chronic diseases, like heart disease and diabetes, continues to grow in the United States. In 2015, 191 million Americans had at least one […]

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Ask the Expert: Why use an outsourced contact center for your business?

June 2, 2017 Ask The Experts

Why should I outsource a contact center instead of hiring my own team? Building and staffing a contact center can be costly, and set-up is extensive. Most contact center service providers are equipped to be reflexive for different types of clients and industries. Many offer consultative services to build a script and workflow that fits […]

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Ask the Expert: The prevalence of hepatitis C

May 30, 2017 Carriers

As we wrap up Hepatitis Awareness Month, we sat down with our laboratory expert, Betsy Sears, to ask her some questions regarding hepatitis C (Hep C).  Hep C affects millions of people who may not even know they are living with it. The Centers for Disease and Prevention Control (CDC) estimates that up to 75% of […]

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How we can help: Our new campaign will tell you how

May 9, 2017 #Committed2 You

Our ExamOne Superior Solutions clients were recently greeted at a life insurance brokerage trade show with the smiling face of one of our examiners, Guadalupe. She let our clients know that with our extensive network of examiners she ensures, “We’ve got you covered.” James and Brena from our Customer Services Department were also around. They both […]

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Committed to building client relationships: 2016 Regional Account Manager of the Year

May 8, 2017 #Committed2 You

Our Regional Account Managers (RAMS) play a vital role in our customer relationships and daily account management. Jane Healey, one of our eight RAMS, has been with ExamOne for 17 years. This past February, she won the 2016 Regional Account Manager of the Year award at our National Sales Convention. “Jane is committed to providing […]

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Ask the Expert: What is Policy Express 2.0?

April 27, 2017 Ask The Experts

How does the new Policy Express workflow differ from the original workflow? When Policy Express was first introduced, applicants completed a straight-through process, based on general age and amount rules. With Policy Express 2.0, underwriters can receive real-time data and be more flexible with requirements on each applicant. Now instant decisions can be made or […]

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Committed to getting results

April 24, 2017 Carriers

Some of our ExamOne everyday heroes can be found working in our laboratories. From prepping specimens, to testing and analyzing results, these employees play a vital role in the critical testing we perform—ultimately helping more families be protected with life insurance. Medical Laboratory Professionals Week (MLPW)—celebrated April 23-29 this year—is a special opportunity to recognize […]

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Alcohol abuse responsible for thousands of deaths each year

April 20, 2017 Carriers

During the month of April, the National Council on Alcoholism and Drug Dependence (NCADD) sponsors Alcohol Awareness Month to increase public awareness and understanding, and reduce the stigma associated with alcoholism that too often prevents individuals and families from seeking help. Alcohol abuse, which can lead to alcoholism, is a pattern of drinking resulting in […]

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