Search: life insurance data

Historical laboratory data is of unique importance to insurers because it provides a retrospective view of an applicant’s health. Insights from our LabPiQture report can help insurers build a longitudinal history of an individual’s last seven years.

historical laboratory data

Brian Lanzrath, our Director of Analytics and LabPiQture expert, answers some of the commonly asked questions we receive from our clients. 

Interpreting the number of encounters and hit rates in our data

Q. How far back does your database pull results?
Our database pulls up to seven years of historical laboratory data, and we are continually working to expand our data sources. Recently, we incorporated LabCorp data into our LabPiQture results.

Q. How many encounters are detected through LabPiQture?  
It’s important to remember that not all life insurance applicants have had a clinical testing encounter within the FCRA-mandated seven-year lookback period. By our best estimates, 75%-85% of the all-ages life insurance population has had an encounter in the past seven years.

More specifically, we estimate that only around 40% of males 18-29 have had laboratory testing performed in the past seven years. However, this increases to ~60% for ages 30-39, ~70% for ages 40-49, ~77% for ages 50-59 and up to 84% for ages 60+.

Our studies also show that close to 90% of women across all age groups have had laboratory testing performed in the past seven years.

Of course, not all encounters are captured in our product as it exists today. Conditional on a laboratory test having been performed in the last seven years, there is roughly a 60-70% chance that it will be present in our data.

Q. What is the current LabPiQture hit rate?
The all-ages raw hit rate is 53%. The residual 47% includes both applicants who have not been tested clinically within the previous seven years, and tested individuals who are not present in our data. Hit rates are positively correlated with age and female gender, with men under 30 exhibiting by far the lowest rates. There are individual regions (including D.C., New Jersey, Arizona, and Connecticut) where our hit rates exceed 70%.

Top diagnoses and doctor account specialties

Q. What are the most common diagnoses reported through LabPiQture?
The table below shows the top ICD-10 codes and the percentage of applicants that had this ICD code in their LabPiQture report. As users gain experience with the ICD system, and the subset of medical conditions most often diagnosed/managed though laboratory testing, more nuanced interpretations of the broad categories below tend to become routine.

For instance, Z01 hypothetically includes any specialist checkup – anything from a dental cleaning, to a vision exam, to a hearing test. In practice, though, few of these encounters prompt laboratory testing. OBGYN checkups, by contrast, routinely generate tissue pathology data in the form of Pap smears – and indeed, 90% of LabPiQture Z01 codes are associated with Pap and HPV results. Z11 (“Encounter for screening for infectious/parasitic diseases”) is similarly broad in principle and would historically have been associated with conditions as wide-ranging as tuberculosis and hookworm. In practice, though, for modern populations this almost always indicates STD (including HIV and HCV) testing.

You can find a list of the top five diagnoses codes among females and males here.

Q. What are some the leading account doctor specialties?
Below is a list of our top 25 specialties. Drug rehab (#10) is of particular note. As recently as five years ago, this specialty was not in the top 25. In fact, it was only barely in the top 50. The greater prominence of this specialty reflects both the demand-side effects of the opioid epidemic, supply-side changes in mandates for health plans to cover many forms of drug treatment.

Learn more about LabPiQture and how you can leverage it in your underwriting process

For more information on LabPiQture and the data included in this report, you can access a link to our previously recorded webinar.

Seven facts for life insurers to know about vaping

by ExamOne on September 17, 2019

Is vaping impacting an individual’s health and the corresponding effect on life insurance?

Recently, the Centers for Disease Control and Prevention (CDC) announced their investigation of severe pulmonary disease among people who use e-cigarettes (also known as vaping). And tragically, multiple deaths linked to vaping have been reported across the country. These are a few examples of issues surfacing that may have previously gone unrecognized, as vaping is still a fairly new phenomenon. However, there are some things we know for sure about vaping that could impact life insurers.

Here are some vaping facts from MD Anderson Cancer Center:


 1. The liquids used in vaping are dangerous. E-cigarettes have been known to explode and the fluid is poisonous if it comes into contact with eyes or skin, or if you accidentally or deliberately drink it.


2. If you’re a smoker, vaping could support your habit, not break it. Instead of transitioning from cigarettes to e-cigarettes, some smokers end up using both. This can increase nicotine addiction instead of lessening it. E-cigarettes have not received Food and Drug Administration approval as smoking cessation devices.


3. Researchers know that e-cigarette aerosol contains toxic chemicals like those found in glue and paint. What is less clear is if the amounts are high enough to cause diseases like cancer.


4. The nicotine, regardless of the source, is addictive and toxic. E-cigarettes are used as a nicotine delivery system. In fact, nicotine is one of the most addictive substances available.

Other vaping facts for insurers to consider:


5. Nicotine is proven to cause multiple health problems, some fatal. John Hopkins Medicine reiterates the danger of nicotine, no matter in what form it is ingested. It can raise blood pressure and cause spikes in adrenaline, which increases the heart rate and the likelihood of having a heart attack.


6. E-cigarettes can also be used to vaporize cannabis and THC, with unknown long-term effects. The relationship between nicotine and cotinine has been thoroughly researched and analyzed over the years. However, information on the effects of cannabinoids is not as scientifically vetted.


7. There are also potentially toxic metal nanoparticles in some e-cig devices that can be harmful. A National Institute of Drug Abuse report shows that some devices contain high levels of nickel and chromium.

Laboratory testing and vaping

Another fact that we can all agree upon is that more research is needed to determine how vaping impacts an individual’s health and the corresponding effect for life insurers. The negative health consequences from long-term tobacco use and smoking either cigarettes or cigars took decades to prove. Extensive health data for vaping does not exist yet. In the meantime, ExamOne will continue to work with our life insurance clients to help build comprehensive cotinine and THC laboratory testing solutions to address their requirements concerning vaping.

Laboratory insights on male life insurance applicants reveal high diabetes and hypertension rates

July 15, 2019 Carriers

Last month we discussed five of the most common diagnoses codes among female life insurance applicants. Now, we are shifting that focus to male applicants and taking a look at their top five diagnoses revealed through LabPiQture™, as well as some of their surprising non-disclosure results discovered through laboratory testing. Top five diagnoses codes among […]

Read the full article →

Five common diagnoses found in female life insurance applicants’ historical laboratory results

May 13, 2019 Carriers

Using laboratory testing history databases to evaluate applicant risk can provide underwriters a more complete picture of applicant health. Laboratory history data provides quick access to physician-ordered laboratory testing results, it verifies applicant self-reported medical disclosure, and it can reduce costs as a possible alternative to an Attending Physician Statement order. Recently, we presented some […]

Read the full article →

3 top life insurance videos: Showing you how to enhance the examination experience

April 30, 2019 Applicants

Savvy consumers research big purchases, like life insurance, online. With YouTube considered the 2nd most-used search engine, many are finding this information in video format. In addition to research, studies show that 90% of customers said videos helped them make buying decisions. Increased traffic and views of ExamOne’s video content on the ExamOne YouTube page […]

Read the full article →

Modernizing the life insurance applicant experience through digital engagement

April 25, 2019 Applicants

What goes into a modern customer experience? It’s all about engaging customers in new and innovative ways. In the life insurance industry, customer experience impacts policy completion rates. Recognizing this drives our efforts and ensures that we are meeting the needs of the modern customer. Solutions that provide real-time context, convenience and visual information are […]

Read the full article →

Holiday shopping for life insurance? The purchasing habits for 3 generations of consumers

December 19, 2018 Applicants

In 2017, more than 174 million Americans purchased gifts between Black Friday and Cyber Monday. This year, consumers spent $643 million, up nearly 28% from last year, on cyberspending the Friday after Thanksgiving.  Millions more will be spent before the end of the year. Shopping has become synonymous with the holidays for consumers of all ages. […]

Read the full article →

Glycolysis and hemolysis: Does it still matter to life insurers?

November 1, 2018 Carriers

We all know the routine. The examiner draws blood during a mobile exam. Delays in processing allow those hungry red blood cells to gobble up glucose. The underwriter sees an extremely low glucose reading or the dreaded not valid glucose (NVG) on the laboratory report. Or the laboratory report notes hemolysis is present. Then there […]

Read the full article →

First-hand experience about the importance of life insurance

September 11, 2018 #Committed2 You

September is Life Insurance Awareness Month, an industry-wide campaign that educates people about the importance of protecting their loved ones with life insurance. I have had first-hand experience of how coverage or lack of coverage can change families’ lives. Appreciation for protection early in my career As I think about the significance of this campaign, […]

Read the full article →

The rise in workforce drug positivity may be a concern among the life insurance population

June 22, 2018 Carriers

2018 Quest Diagnostics Drug Testing Index™ The 2018 Quest Diagnostics Drug Testing Index™ (DTI) has been released and workforce drug positivity remained at the highest rate we’ve seen in a decade. The positivity rate held steady at 4.2 percent which was the same in 2016. One of the biggest shifts in drug positivity was seen […]

Read the full article →