Tag: cotinine

Ask The Experts

Life insurance laboratory collaboration study: $4 billion tobacco misrepresentation cost to the life insurance industry

January 25, 2023 By

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

Carriers

50 Years of Laboratory Testing: A legacy of empowering decisions

December 20, 2022 By

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.

Carriers

Debunking the myths: the facts about cotinine

November 17, 2021 By

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.”

Carriers

Keeping a healthy heart: three health risks for life insurers to consider that could indicate future heart disease

February 11, 2020 By

Discover three contributing factors of heart disease insurers can consider when reviewing a life insurance applicant’s laboratory and medical history.

Carriers

Seven facts for life insurers to know about vaping

September 17, 2019 By

ExamOne is working with our life insurance clients to help build comprehensive cotinine and THC laboratory testing solutions to address their requirements concerning vaping.

Carriers

Seeing through the smoke: The correlation of tobacco, marijuana and drugs of abuse

November 15, 2018 By

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.

Carriers

Industry survey insights: The impact of tobacco, alcohol, and drug use on anti-selection

November 2, 2017 By

Carriers

Cotinine positivity: Has it increased or decreased in the past 12 years?

July 2, 2013 By

Producers

Smoking Tips and Health Benefits

November 29, 2012 By