Carriers

Exam completion rate case study

July 9, 2019 Brokers

One of the challenges facing the direct-to-consumer segment of the life insurance industry is improving completion percentage. Over the last year, we analyzed our client’s data to compare how and where applicants schedule exams, and measure the impact on completion rates. Three common factors emerged to demonstrate the effectiveness of utilizing some of ExamOne’s tools […]

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Ask the Expert: Getting the most out of your prescription history report

June 25, 2019 Ask The Experts

A prescription history (ScriptCheck®) report can provide underwriters immense detail into an applicant’s prescription drug use.* From identifying medication not disclosed in the interview to understanding prescription adherence, a prescription history report can help underwriters identify potential red flags when making underwriting decisions. Marnie Vieselmeyer, ExamOne’s new Data Specialist Strategic Account Executive, answers some common […]

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Drug testing positivity is a negative factor for employers and insurers

May 30, 2019 Carriers

Workforce drug testing positivity climbed to its highest rate since 2004, according to the latest report of the Quest Diagnostics Drug Testing Index™ (DTI) released this spring. According to the report, 2018 positivity rates in the combined U.S. workforce increased to 4.4% in urine tests, an increase of nearly 5%. Overall positivity is now 25% […]

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Incorporating blood tests into older-age underwriting facilitates faster policy issue and decreased costs

May 29, 2019 Carriers

According to a 2015 U.S. Census Bureau report, baby boomers are now trailing the millennial generation as the second largest generation today with an estimated 75.4 million individuals. Although the millennials outnumber this aging segment, it is in the 60+ age group where life insurance application activity is rising. Each month, underwriting specialists at the […]

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Spend more time with applicants when you order online

May 21, 2019 Brokers

The ExamOne ordering site allows you to manage all your needs in one place, whether you’re looking to create a case, place an order, or anything in between. It allows you to view the status for individual orders so you’re able to keep track of each moving piece required for completion. The ExamOne portal* is […]

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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 […]

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Millennials, misconceptions and modern technology

May 9, 2019 Carriers

Our Director of Development Engineering, Eric Saul, recently had the opportunity to speak at the 2019 Association of Home Office Underwriters Conference (AHOU) in New Orleans. As a technology professional for more than 20 years, he has seen how consumer behaviors drive innovation and improvements in technology. Now, with more millennials than baby boomers as […]

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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 […]

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The slowly-resolving ambiguities of marijuana-linked mortality risk

April 18, 2019 Carriers

As of April 2019, recreational marijuana is legal in 10 U.S. states and medical marijuana in an additional 23. Despite the substantial departure from long-standing drug policy which this represents, until quite recently there have been relatively few direct studies on the mortality implications of marijuana use in the general population. While the scientific consensus […]

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Recent scheduling enhancements place an emphasis on the applicant experience

March 18, 2019 Brokers

ScheduleNow™ is a modern scheduling platform that helps speed up the application process. All ExamOne clients can take advantage of ScheduleNow’s capabilities, national coverage, and flexibility. Recent improvements to the scheduling platform allow users to quickly identify the best days and times to schedule appointments. If an examiner or exam center is not available, the […]

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