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Are You Overpricing Applicants with HbA1c Elevations?

November 11, 2020

There are many articles that can help answer the question of applicant hemoglobin A1c values, including this study from CRL: Relationship… Read More

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

Simple Lab Tests May Still Offer the Best Underwriting Protection

October 7, 2020

Dr. Michael Fulks, MD, comments on earlier research regarding the relative mortality in apparently healthy adults with various urine protein/creatinine… Read More

Tags: Lab Tests, Life Insurance, Mortality, Underwriting, Urinalysis

Globulin: A Warning Underwriters Cannot Ignore

July 14, 2020

How do you find a very expensive early mortality risk, most of which is the result of undiagnosed — but… Read More

Tags: Cancer, Lab Tests, Life Insurance, Mortality, Underwriting

Polypharmacy Now Available

July 7, 2020

An Important Tool for Improved Risk Selection CRL is pleased to introduce a new polypharmacy laboratory test to aid insurers… Read More

Tags: Lab Tests, Life Insurance, Mortality, Polypharmacy, Underwriting

Smart Score®: A Transparent Algorithm to Improve Mortality

June 30, 2020

Life insurance underwriting is, arguably, the most successful implementation of predictive analytics ever developed. One need only look at the… Read More

Tags: Algorithms, Life Insurance, Mortality, Risk Analysis, Underwriting

The Mortality Association of CEA in an Insurance Population

June 9, 2020

In a recent Journal of Insurance Medicine article¹, Drs. Rigatti and Stout used data from over 300,000 individuals who had… Read More

Tags: Cancer, Doctors, Life Insurance, Mortality, Underwriting

PSA Values & Mortality Risk: Coverage Considerations

June 2, 2020

What to do about an elevated PSA value that is newly found on insurance screening or under “active surveillance”? We… Read More

Tags: Cancer, Life Insurance, Mortality, Prostate, Underwriting

Step Count: A Consideration for Life Underwriting

May 14, 2020

How much exercise does it take to be preferred and how can we measure it? The doctors at CRL published an article in… Read More

Tags: Fitbit, Fitness Tips, Life Insurance, Mortality, Underwriting

The Process of Blood Pressure Measurement and the Value of Additional Readings

March 24, 2020

History: Blood Pressure Measurement Background Blood pressure is one of the first objective measures used to evaluate risk in life… Read More

Tags: Blood Pressure, Healthcare, Life Insurance, Risk, Underwriting

Rising Mortality Rates: What Insurers Should Know & Consider

March 9, 2020

Bad news for actuaries: according to the latest from the US Journal of the American Medical Association, mortality rates for… Read More

Tags: Drug Test, Life Insurance, Mortality, Underwriting