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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

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Drug and Alcohol Mortality is Rapidly Increasing Even at Ages 65+

May 25, 2023

Dr. Michael Fulks, Consulting Medical Director, details a new study showcasing the increase in mortality rates from drug and alcohol… Read More

Tags: Alcohol usage, Drug usage, Life expectancy, Life Insurance, Mortality, Overdose

Study Suggests Low HDL May Have Less Impact on Black Adults: True? Maybe Not

January 11, 2023

Michael Fulks, MD, comments on recent research in the Journal of the American College of Cardiology. Dr. Fulks reviews the… Read More

Tags: Coronary heart disease, HDL, Life Insurance, Mortality, Research

An Additional $2.6 Billion of Protective Value Can only be Identified through Paramed and Laboratory Underwriting Evidence

December 23, 2022

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

Tags: Diabetes, Hypertension, Life Insurance, Mortality, Underwriting

A Weekly Shot for Type 2 Diabetes Yields Long-Term Weight Loss

December 2, 2022

Dr. Michael Fulks comments on drugs targeted for weight loss in patients with type 2 diabetes. Last year we blogged… Read More

Tags: Life Insurance, Metabolism, Mortality, Weight loss

How Can We Identify Life Insurance Applicants at Higher Risk for a Drug Overdose Death?

November 8, 2022

Consulting Medical Director Michael Fulks discusses new data from the CDC for evaluating drug use, potential overdose risk, and life… Read More

Tags: Drug usage, Life Insurance, Mortality, Overdose

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

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