heart disease risks

The heart is a tiny but powerful organ whose work is indispensable to the rest of the body. This 1-pound organ pumps nearly 2,000 gallons of blood every day. This Heart Month, we examine three contributing factors insurers can consider when reviewing a life insurance applicant’s laboratory and medical history.

Smoking contributes to one-third of coronary heart disease deaths

Smoking has multiple health risk factors. In addition to lung and throat cancer, smoking can also lead to coronary heart disease, stroke and/or raised blood pressure. According to American Heart Association, smokers have a higher mortality risk than non-smokers and on average, die more than 10 years earlier than nonsmokers.

In a recent analysis, we discovered that 6.5% of all ExamOne life insurance applicants tested positive for cotinine from 2017 to 2019. Further, we saw a 36.4% non-disclosure rate–meaning cotinine-positive applicants denied their tobacco use, something we refer to as ‘smoker’s amnesia.’ We also found that smokers had an increased risk of positivity for other drugs of abuse:

High blood pressure increases the risk for heart disease and stroke.

It is estimated that tens of millions of adults in the United States have high blood pressure, and most do not have it under control. It can lead to heart disease and stroke, two leading causes of death for Americans.

Our examiners are trained to take three blood pressure readings during the paramedical exam. Per Mayo Clinic recommendations, documenting a blood pressure reading multiple times helps verify accuracy. Additionally, if an applicant is or has been prescribed a blood pressure medication, results will be found in a prescription history report (up to seven years look-back). This provides insurers with information including the prescribing doctor, prescription adherence, a drug summary and prescription detail.

An elevated A1c could indicate an applicant is prediabetic or diabetic.  

It’s estimated that in 2018, 34.1 million adults aged 18 years or older—or 13.0% of all US adults—had diabetes and over 21% were unaware. Many times, applicants may be unaware they have this condition because they have not been tested and/or diagnosed. In fact, 34% of applicants with tested A1c values of 6.5 or higher stated they did not have diabetes during their telephone interview or on their application. The CDC also states that the risk of death from heart disease for adults with diabetes is higher than for adults who do not have diabetes.

The heart is a vital organ. By keeping it healthy, individuals reduce the likelihood of developing a chronic medical condition(s) later in life. Insurers can use real-time health data and laboratory results during the risk assessment process to better understand potential health risks for their life insurance applicants.

Every year we recognize our employees’ and teams’ accomplishments from the previous year. We appreciate the dedication of these employees who help us provide superior service to our clients and life insurance applicants.

Operations Awards

Lenexa Biggest Impact Award
David Dewhurst & Kim Sohosky

Lenexa Case Management Rep of the Year   :
Katie Leal

Lenexa CSG Rep of the Year
Kevin Black

San Diego Biggest Impact Award
James LeMaster

San Diego Case Management Rep of the Year  
Karina Avila

San Diego CSG Rep of the Year
Preston “Ross” Hester

Canada Ambassador Award
Kim Coley

Field Operations MVP
Don Hess

Field Leader of the Year
Kelli Egan

Most Improved Office of the Year
Office 270, New Hampshire

ExamOne Corporate Office of the Year
Office 305, Rancho Cucamonga

Sale Awards

ExamOne Distribution Rep of the Year
Andrew McMannis

Inside Sales Rep of the Year
Megann Mitchell

BGA Rep of the year
Andrew Sutton

ExamOne  Canadian Producer Sales Representative of the Year
Felix Drake

ExamOne Producer Sales Representative of the Year
MacKenzie English

ExamOne Regional Sales Manager of the Year
Julie Lewis

Regional Account Manager of Year
Rebecca Shady

Strategic Account Executive of the Year
Lauren Sproles

Focusing on our accomplishments: ExamOne affiliate awards

February 25, 2020 #Committed2 You

Earlier this year, we had the opportunity to recognize some of our affiliate partners. These are the exam offices that are not corporate-owned sites but work as our representatives in geographical areas where we do not have exam centers for ExamOne. They are not only ambassadors for ExamOne, but they help ensure that our clients […]

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A day in the life of a risk assessment insurance specimen: From blood draw to delivered results, specimens are sent through a detailed process to ensure specimen integrity

February 21, 2020 Brokers

A blood draw for a life insurance application is simple, but once the specimen arrives by air, courier or commercial delivery at the testing laboratory, things get quite impressive behind the scenes! Here’s a look from start to finish at how some underwriting decisions start with a simple blood draw.  Specimens are obtained during a […]

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How do life insurance applicants feel about the exam process?

February 7, 2020 Applicants

You want to know. We want to know. What do your life insurance applicants think about the exam portion of the application process? After every exam, applicants have the opportunity to tell us by completing our online survey. This is what they had to say. Convenient exam locations In 2019, almost 40,000 life insurance applicants […]

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3 ways to help “insure your love” in February

February 6, 2020 Producers

The Life Insurance Barometer study revealed 78% of the respondents agree that preparing financially for life’s unknowns is a way to show your loved ones you care. This makes February and Valentine’s Day a perfect time to remind clients to protect loved ones through proper life insurance planning. See a few ways below on how […]

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Quest Diagnostics and ExamOne donate $10,000 to a local family shelter

January 30, 2020 #Committed2 You

The new year is a time for goal setting, but it can also be a good time to reflect on the ways our employees make a difference in our communities – last year and in the future. In 2019, our employees supported local and national charities by participating in several awareness walks plus winter supply […]

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Caring for customers is not a challenge

December 30, 2019 #Committed2 You

Since joining ExamOne in 2017, Tim Hershner has quickly made an impact with clients and was named the Producer Sales Representative of the Year in 2018. “I genuinely care about the customers we serve. Our lab results provide individuals who might not regularly see a physician with a free, in-depth view into their current health, […]

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‘Tis the season to protect families with life insurance

December 18, 2019 Applicants

The busy holidays may not seem like the most convenient time to apply for life insurance. However, the time spent with family and friends is a perfect reminder of the importance of protecting their futures with life insurance. Here are three reasons the holiday season may be the perfect time for your prospective client to […]

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A strong team member at work and on the ice

December 13, 2019 #Committed2 You

Our operations team at ExamOne is responsible for ensuring our offices and examiners have the support they need to provide satisfactory customer experiences for both our clients and life insurance applicants. Each year, we recognize an employee in the field who has exemplified our commitment to the highest standard of service. As our Field Leader […]

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