In our previous blog article, we discussed how lack of sleep can lead to chronic health implications. Sleep deprivation can lead to more than just being tired during the day. We discussed how it can lead to conditions such as heart disease, stroke and high blood pressure.

So how do you know if sleep deprivation is affecting your applicant’s health? To aide underwriters in their process of ranking applicants, our Risk IQ product ranks an applicant based on their specific laboratory and physical measurement profile. If an applicant suffers from sleep deprivation, some of these tests may show a higher score to the underwriter, thus raising concern on the applicant’s health.

How can Risk IQ help?

Through recent studies, Risk IQ results have shown how different variables can detect mortality.  Unlike conventional “knock-out” based underwriting criteria, Risk IQ is able to accurately gauge the cumulative effects of moderately sub-optimal (“low normal” or “high normal”) results, no one of which may appear worthy of special attention on a univariate basis (i.e., in isolation from the remainder of the profile).

As would be expected from a mortality model constructed exclusively from laboratory and paramedical data, those causes of death for which Risk IQ was a statistically significant predictor were predominately medical, as opposed to those attributable to accident, homicide, or suicide.  Specifically, it appears that Risk IQ is a predictor of claims for cardiovascular mortality.


Perhaps the most striking attributes of heart disease appears to be the lipid panel   More research needs to be done, but it appears that Risk IQ’s deprecation of lipids reflects the multivariate nature of our analysis in that elevated cholesterol appears to be strongly correlated with unfavorable builds, low serum albumin, and elevated LFTs, all of which tend to reduce its independent predictive value.

So what actions can be taken by a person who may be suffering sleep deprivation?


  • Create a sleep chamber
  • Maintain bedtime/wakeup time
  • Exercise regularly
  • Avoid alcohol and caffeine
  • Establish a bedtime ritual
  • Don’t use tobacco products
  • Spend time outdoors


  • Drink fluids before bed
  • Work on a computer, watch TV or read in bed
  • Use tobacco products

In 2015, I Commit To: Laboratory Education

by Lindsey Amaya on January 5, 2015

betsy headshotBetsy Sears, Executive Vice President, Laboratory Strategy and Sales dedicates herself to educating the insurance industry on laboratory, medical and risk assessment topics. If you know Betsy or have heard one of her presentations, you already know she has a strong commitment to our industry. So what has she committed to in 2015?

As the insurance arena becomes increasingly reliant on the perceived ease of simplified issue, I am committed to educating our clients on the numerous benefits of laboratory testing. According to research, 70% of medical decisions are based on lab tests.[1] Ensuring our insurance clients are utilizing our laboratory to its maximum capabilities will help provide a better picture of an applicant’s health. Our Six Sigma quality, our comprehensive list of important reflex tests and Risk IQ will play an important role in highlighting these benefits.

Our most important effort in 2015 will be the addition of a glycosylated hemoglobin (A1c) to every lab profile. We will be the first insurance laboratory in the industry to lead the effort in identifying undiagnosed diabetes, which has become a U.S. epidemic.[2] The addition of this ADA recommended diagnostic test for diabetes will assist our insurance clients in making more educated underwriting decisions and can potentially lead to a healthier insurance population.

To learn more about laboratory testing, please reach out to Betsy at Betsy.R.Sears@ExamOne.com. She hopes to see you at one of her speaking engagements in 2015!


[1] http://www.questdiagnostics.com/dms/Documents/PLS/35841-FIN-WP-Hospital_Lab_Management-WP4289.pdf

[2] In 2012, 29.1 million Americans had diabetes. Of the 29.1 million, 8.1 million were undiagnosed. www.diabetes.org


What is the ‘hidden healthy’ and how does it aid in underwriting?

September 30, 2013 Carriers

We’ve talked a lot this month about the declining rates of individually owned life insurance policies. Consumers tell us one of the reasons is the perception that it “costs too much.” One of our predictive modeling tools, Risk IQTM, has shown promise in getting more individuals into preferred classes and has the potential to get […]

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Can sleep deprivation be detected in laboratory results?

November 2, 2012 Carriers

In our previous blog article, we discussed how lack of sleep can lead to chronic health implications. Sleep deprivation can lead to more than just being tired during the day. We discussed how it can lead to conditions such as heart disease, stroke and high blood pressure. So how do you know if sleep deprivation […]

Read the full article →

Don’t “Fall Back” on your Sleep: Studies show that lack of sleep can contribute to chronic health implications

October 17, 2012 Carriers

As fall approaches, we are facing shorter days. We will set our clocks back an hour on November 4,  to gain an hour of sleep, but do people get adequate sleep every night? We want to remind individuals of the importance of adequate sleep and how the lack of it can cause health problems. Fifty […]

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ExamOne’s Risk IQ Mentioned in NAILBA Magazine

May 24, 2012 Carriers

ExamOne’s predictive model, Risk IQ, was mentioned by Hank George in the latest issue of ‘Perspectives’, a magazine published by NAILBA.  In the article titled “Culture Shock: Lab Test Predictive Modeling for Life Underwriting”, George states that the “black and white” approach that has historically been adopted in regards to laboratory testing may be flawed.  […]

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Insurance Experts Meet to Learn About ExamOne RiskIQ

April 26, 2011 Carriers

Insurers dread cryptic risk.  Even the word “cryptic” conjures the images of an old grave or lost symbols that cannot be translated in today’s language.  In the insurance sense, it pertains to risks that are not easily detected. Those undetected risks can dearly cost insurance companies.  Insurers can expect accidents to happen and claims to […]

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Our RiskIQ Article was Published in On The Risk

April 25, 2011 Producers

On the Risk Magazine March 2011 A Comprehensive Multivariate Approach to the Stratification of Applicant-Level All-Cause Mortality Risk This article was posted with the permission of ON THE RISK, Journal of the Academy of Life Underwriting (www.ontherisk.com)

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