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Welcome to the CRL Insurer Services blog! Here you will find commentary from our dedicated team of medical directors and industry leaders on lab research and trends, innovative services and solutions, and what’s new at CRL. Click the button below to get the latest news directly to your inbox. Questions? Contact us at ILSsales@crlcorp.com.

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What is causing the increasing disparity in mortality rates between states?

August 4, 2022

Mortality has steadily improved in the U.S. until recently, when COVID-19 and fentanyl-related deaths increased. However, the disparity in mortality… Read More

Tags: Life expectancy, Life Insurance, Mortality

There is a $4 billion tobacco misrepresentation cost to the life insurance industry that is getting worse with time

July 21, 2022

In conjunction with industry partners APPS, ExamOne and IMS Paramed, we recently collaborated on an effort to analyze and understand… Read More

Tags: Cigarettes, Insurance, Mortality, Nicotine, Risk

New Data: Leading Causes of Death in the U.S. are Changing

April 7, 2022

Consulting medical director Michael Fulks, MD, comments on recent changes to the leading causes of death because of COVID-19, drugs,… Read More

Tags: Cancer, Covid 19, Drug overdose, Life Insurance, Mortality

Chronic Kidney Disease & Cystatin C: Latest Data Allows Better Risk Selection with the Ability to Issue More Cases

February 15, 2022

The conclusions of the Kidney Disease: Improving Global Outcomes (KDIGO) Controversies Conference were recently published.1 This expert panel started with… Read More

Tags: eGFR, Kidney, Life Insurance, Mortality, Risk

Recent Evidence Suggests Underwriters Can Ignore a “Pre-Diabetes” Label

December 2, 2021

It’s a simple concept: the more people you can label as having a condition for which you provide support (as… Read More

Tags: Diabetes, Insurance, Mortality, Study, Underwriting

COVID-19 Long-Haul Effects

August 5, 2021

CRL Chief Scientific Officer Dr. Robert Stout discusses the lasting impact of COVID-19 infection in both symptomatic and asymptomatic patients…. Read More

Tags: Covid 19, Covid 19 Crisis, Laboratory, Life Insurance, Mortality

Recent Publication on Mortality: Impacts on Insurers

June 28, 2021

Recently Dr. Michael Fulks commented on 2020 mortality data from JAMA, citing an increase of 17.7% from 2019 to 2020… Read More

Tags: Cancer, Insurance, Life Insurance, Mortality, Retirement

2020 US Mortality Results: How do they compare to prior years?

June 17, 2021

Dr. Michael Fulks, Consulting Medical Director to CRL, comments on the 2020 leading causes of death in a COVID-19 world…. Read More

Tags: Cancer, Covid 19, Heart Disease, Life Insurance, Mortality

Urine Protein Tests: A Mortality Predictor in Life Insurance Populations

March 31, 2021

Urine protein tests offer a simple way for insurance companies to obtain an important predictor of life risk. CRL recently… Read More

Tags: Healthcare, Kidney, Life Insurance, Medical Research, Mortality

Trends in Nicotine Misrepresentation

January 20, 2021

A fundamental underwriting principal is to treat like risks in a similar manner. This fairness doctrine is a key to… Read More

Tags: Cigarettes, Insurance, Mortality, Nicotine, Risk

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