Tag: cotinine
Life insurance laboratory collaboration study: $4 billion tobacco misrepresentation cost to the life insurance industry
American Para Professional Systems, Clinical Reference Labs, ExamOne, and IMS Paramed have joined forces to create a robust deidentified dataset of life insurance applicants spanning the years 2015-2022. This report finds that there is a concerning industry trend of tobacco misrepresentation in the life insurance industry
50 Years of Laboratory Testing: A legacy of empowering decisions
From the mid 2000s until the present, declining life expectancy, increase drug use and smoking, plus the powerful tool data has become created huge changes to life insurance underwriting.
Debunking the myths: the facts about cotinine
ExamOne's cotinine testing data shows that smoking non-disclosure rates for life insurance applicants are up from 27% in 2010 to 43% in 2021. Laboratory testing is the only way to discover who has “smoker’s amnesia.”
Keeping a healthy heart: three health risks for life insurers to consider that could indicate future heart disease
Discover three contributing factors of heart disease insurers can consider when reviewing a life insurance applicant’s laboratory and medical history.
Seven facts for life insurers to know about vaping
ExamOne is working with our life insurance clients to help build comprehensive cotinine and THC laboratory testing solutions to address their requirements concerning vaping.
Seeing through the smoke: The correlation of tobacco, marijuana and drugs of abuse
The correlation of tobacco use and marijuana use could be a red flag for insurers. Studies show high correlation to positive cotinine and THC to other DOA.
