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How do life insurance applicants feel about the exam process?

by Kem Snavely Frost on February 7, 2020

You want to know. We want to know. What do your life insurance applicants think about the exam portion of the application process? After every exam, applicants have the opportunity to tell us by completing our online survey. This is what they had to say.

Convenient exam locations

In 2019, almost 40,000 life insurance applicants completed our post-exam survey. When asked why they chose to have their exam performed at home, an exam site or at their workplace, 57% said they chose the location based on convenience. To offer more options to applicants we are continually growing the exam center network. The recent addition of 820 Quest Patient Service Centers (PSC) provides life insurers and applicants with access to 2,300 exam centers nationwide and adds more than 74,000 weekly appointment times.

Our analysis also found that exams scheduled at an exam center were, on average, completed 90% of the time, compared to 73% for mobile exams. Additionally, exams were completed in less than 11 days at in-center locations, compared to over 12 days for mobile.

“I enjoyed the convenience of having several options for my appointment so it would fit my schedule.” – Life insurance applicant

This expansion of locations and appointment times, in addition to online scheduling tools and less stringent fasting restrictions before exams, gives your applicants more choices than ever before.

Quality examiners

Our examiners represent ExamOne and our life insurance clients every day when interacting with life insurance applicants. It’s important that they provide superior customer service to individuals taking the important step of protecting their family with life insurance. Our survey results show the majority of your clients are happy with their experiences.

  • 94% said the examiner explained the process prior to the exam
  • 95% said the examiner was on time
  • 98% said the examiner was courteous and professional

“My examiner was a pleasure to deal with! I really enjoyed my experience with his genuinely kind personality and positive attitude. Afterward, I told my coworkers that’s it’s nice to still have people in the world who care about others.” – Life insurance applicant

Online laboratory results

A “surprise” benefit for many applicants after their life insurance exam is the access to their laboratory results online.* The secure, comprehensive, and easy-to-understand online tool helps consumers become more aware of their health status. Common feedback from the post-exam experience is a positive reaction about access to this valuable personal health data.

“So much useful medical info about each metric helps non-medical professionals understand the significance of each. This is the best medical results portal I have seen so far!” – Life insurance applicant

“This was the first time I have ever received lab results that were comprehensive and detailed, and easy to interpret. I was impressed mainly with the side chart/information explaining the different tests: liver, pancreas, etc. This was very helpful and helped me understand the true results of my blood work. Thank you.” – Life insurance applicant

Survey results reinforce the positive impact that consumers report on access to their online laboratory results:

  • 95% said the instructions for accessing my online laboratory results were clear and easy to understand.
  • 96% said the way that my information was displayed allowed me to easily understand the data.
  • 93% said the access to online results causes me to view my insurance carrier more favorably.

ExamOne (and clients) want to know what every applicant thinks of their experience so we can use that information to ensure a satisfying life insurance exam process. Our online survey with applicant feedback captures this data so we know what we did well and where there can be improvement.

*Subject to carrier participation

‘Tis the season to protect families with life insurance

by Katie Palka on December 18, 2019

The busy holidays may not seem like the most convenient time to apply for life insurance. However, the time spent with family and friends is a perfect reminder of the importance of protecting their futures with life insurance.

Here are three reasons the holiday season may be the perfect time for your prospective client to begin the life insurance application process.

They can get their life insurance exam while shopping

With approximately 150 exam centers inside Safeway and Walmart, consumers now have more choices than before and fewer reasons not to complete the life insurance application process while out and about this holiday season. Our recent expansion of locations and appointment times, in addition to online scheduling tools and less stringent fasting restrictions before exams, gives applicants more choices than ever before. You can find an exam center near you and your applicants by using our location finder at ExamOne.com/Locations.

They can develop a baseline for New Year’s health resolutions

With the New Year right around the corner, it’s a good time to discuss financial and “health” goals with your clients. When applying for life insurance, most policies provide applicants with laboratory results from their life insurance exam. This follow up health report is a tangible aspect of getting life insurance and provides your clients with invaluable information on current health status. It’s a great foundation for those New Year’s Resolutions. 

Know how to shop for life insurance

Though it may not be found at the top of any holiday list, the gift of life insurance can be the most beneficial present a person can receive. Knowing the shopping habits of different consumer groups can help you tailor your services and messaging to their unique purchasing preferences.

Find out more about the shopping habits and preferences of different generations here. See a few highlights below.

Millennials:  This group continues to self-educate and 54% are likely to ask social media connections for recommendations.

Generation X:  Generation X is still placing other expenses over life insurance. 69% said cost of living expenses is the reason for not buying life insurance.3

Baby Boomers: Don’t forget to build relationships with this group online, too.  A study by Google shows that Boomers and seniors spend more time online than they do watching TV.

During the holiday season, continue to reach more people about the need for life insurance by sharing these reasons, or even your own real reasons. It’s a gift everyone needs.

Demystifying the life insurance medical requirement process: How you can help your clients prepare

December 11, 2019 Brokers

You trust us to handle this important step in your client’s journey to protecting their family, but how are the health data for life insurance policy collected? It’s likely that if you’re not sure of some of this terminology, neither are your clients. We’ve found that key information about the process shared by you, as […]

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Employees are crucial to ExamOne’s success

June 6, 2019 #Committed2 You

At ExamOne we’re committed to helping protect loved ones with life insurance. Our employees are a crucial element in our success. Each year, we recognize the efforts of the hardworking employees who are proven leaders in demonstrating our commitment to the life insurance industry. We recently connected with each winner to learn more about them […]

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On track for success in 2019

March 21, 2019 Uncategorized

4 paths to help us and our clients win this year Our operations and sales teams recently came together for annual strategy and training meetings in Kansas City. While together, I shared ExamOne’s direction for 2019 and a favorite sports moment that I believe illustrates how we and our life insurance clients can achieve success […]

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Behind-the-scene people helping provide peace of mind with life insurance

September 27, 2018 #Committed2 You

Last month, we featured our examiners who have “saved the day” during the life insurance application process. The personal interaction associated with health exams often makes examiners the “face” of ExamOne for the life insurance applicants. Now, we want to acknowledge more employees who could be considered the “ears” and “voice” of ExamOne. Meet some of […]

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Reimagine 2018: New vision for a new year

February 27, 2018 Uncategorized

Reflect, recharge, reinvent. These were key themes at the 2018 ExamOne Convention which took place in Kansas City, February 12-14. More than 270 ExamOne associates gathered to learn about the company’s direction in 2018 and the message was simple: customer focus, innovation, urgency, and respect are key priorities as we move forward in a changing […]

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Top 4 blog posts from 2017

February 8, 2018 Uncategorized

Here’s a look back on our top four blog posts of 2017. As our industry continues to evolve, will these be the same topics top of mind this year, or will there be totally new trends for 2018? Follow our blog as we discover and address them this year. We are excited to learn more […]

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ExamOne 2.0 is here – ExamOne Convention 2017

March 1, 2017 Uncategorized

Change in the life insurance industry. Change in our company. Change in us. These changes and how we are adapting to them were the recurring messages at the 2017 ExamOne Convention in Kansas City, February 13-17. “We will continue to grow by adapting to market changes,” said ExamOne President Troy Hartman. “Investment in our people […]

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Is “quick and easy” the right message for life insurance?

May 20, 2016 Uncategorized

In a time where we can have almost anything by simply tapping a small electronic device, many consumers have adapted to a “quick and easy” world. But at what point is quick and easy not the right decision and when should a consumer be okay with that? Life insurance is a valuable tool in a family’s overall […]

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