Tag: smoking

Carriers

Life insurance laboratory collaboration study: $4 billion tobacco misrepresentation cost to the life insurance industry that is getting worse with time

July 21, 2022 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

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.”