Recent studies have demonstrated that an applicant’s clinical laboratory history is roughly twice as effective as a prescription history in identifying the highest levels of mortality risk. Clinical laboratory data also provides the ability to evaluate an applicant’s risk profile longitudinally. It can detect long-term trends in critical medical indicators such as A1c, PSA, and cholesterol—among many others—and minimizes the probability of reaching an inaccurate risk assessment based on a single outlier result. Upon receiving the applicant’s written consent, the enhanced clinical laboratory data product will provide access to laboratory test results for more applicants, supporting a more efficient and accurate underwriting process.
This white paper illustrates the various data sources available and the predictive value for identifying mortality risk associated with each data piece.
Download white paper
Recent studies have demonstrated that an applicant’s clinical laboratory history is roughly twice as effective as a prescription history in identifying the highest levels of mortality risk. Clinical laboratory data also provides the ability to evaluate an applicant’s risk profile longitudinally. It can detect long-term trends in critical medical indicators such as A1c, PSA, and cholesterol—among many others—and minimizes the probability of reaching an inaccurate risk assessment based on a single outlier result. Upon receiving the applicant’s written consent, the enhanced clinical laboratory data product will provide access to laboratory test results for more applicants, supporting a more efficient and accurate underwriting process.
This white paper illustrates the various data sources available and the predictive value for identifying mortality risk associated with each data piece.
Download white paper