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Greater Insights. Better Outcomes.®

At our core, we are committed to discovering risk selection insights that drive better policy decisions. We harness the universe of data, in all its forms, and use it to improve your analyses — and your bottom line.

At every point in the process, we help you engineer around the applicant. We know that when carriers focus on each individual applicant, better outcomes are realized at all levels. Reduced cycle time, lower IT burden, and better ROI are byproducts of our relationship.


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The CRL Insurability Toolset

A lot goes into managing each applicant within a scalable workflow, from the time of application to delivering a policy decision. We automate the process and integrate with carriers at every turn.

AccessMyHealth is a secure, mobile technology solution that was built to invite life insurance applicants to view and interact with their biometric screening and laboratory data. As soon as results become available, the AccessMyHealth platform provides seamless on-demand access after a few clicks or keystrokes from any internet-connected device. AccessMyHealth is available to participating life insurance carriers.

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Serum and urine samples are retained for five weeks from date of receipt to allow for additional testing to be requested. Additional tests may be ordered through OASIS® or by contacting Customer Service by e-mail at Results of the additional testing are reported via normal reporting channels within 24 to 72 hours.

CRL and APPS have developed ASAP™, a critical web-based tool for submitting images and case information to an insurance carrier’s home office. Quality controls are built into the process so that applications are delivered In Good Order. We provide the flexibility to meet your technology needs by providing ACORD or proprietary connectivity in order to ensure that your start-up efforts are minimal.

Timely and efficient receipt of exam documents can be accomplished by instructing the examiner to forward all exam documents to the laboratory with the specimen. When the documents are received at the laboratory, CRL will scan the documents and deliver them via a secure connection and by posting them to OASIS®. If you are not yet ready to receive imaged documents, paper copies can be sent via overnight courier.

Upon receipt of signed authorization from the applicant, a copy of a report completed for one carrier may be duplicated (copied) and reported to additional carriers. Duplicate reporting saves you time and money, saves your applicant from an unnecessary needle stick and provides you with the same information a previous carrier was looking at when considering an application. Requests for duplicate reports should be submitted to Customer Service by fax at 913-492-8880. To streamline the process of ordering duplicate reports, you may wish to have a Blanket Authorization in place with CRL. For additional information contact

Kit orders may be placed by contacting Customer Service by fax at 913-492-8880 or by email: Please indicate your company name, complete address, phone number, fax number if ordering by fax, the quantity and the type of kit. Order confirmations will be returned by fax or e-mail within the same business day if the order is placed before 3 p.m., next business day if after 3 p.m.

Clients who order agent-collected oral fluid kits can receive a kit tracking report that details the number of kits shipped, the location the kits were shipped and the number of kits returned from each location. Tracking kit usage on either the office level or individual agent level helps the carrier identify and control kit waste. For additional information on kit tracking, please email

Carrier-defined parameters allow Motor Vehicle Requests (MVRs) be triggered automatically when samples arrive at CRL ensuring MVRs are available at the earliest possible time. MVR information is available in an easy-to-read format and provides up-to-date motor vehicle record information to insurance carriers.

Our staff are experts at point of sale (POS) underwriting. We leverage that expertise to understand your product parameters and risk assessment guidelines, and then work closely with you to design an effective process that will get your product to market quickly, extend your distribution capabilities, and reduce overall service time, while maximizing the productivity of your sales force.

  • All interviews are recorded for legal purposes and quality assurance review.
  • Authorizations are secured through voice signature, allowing immediate collection of evidence and risk assessment.
  • Underwriters are available real-time to review MIB and other data.
  • Decisions are tendered at the end of the POS interview process.

If you need a test performed that is not part of your routine testing, is not listed on OASIS, or is not a common test, please contact Customer Service for assistance at

Monthly and quarterly management reports provide statistical information on selected testing performed on your applicant population. In addition, ad-hoc reporting for information not contained in the management reports may be completed upon request.

When a case requires ECG review, your turnaround time doesn’t have to be affected. Clinical Reference Laboratory (CRL) offers Swift Screen, an ECG review service you can order along with your applicant’s laboratory testing.

Asking all the right questions is an art — especially when speed and quality matter. Our trained team of licensed health and life professionals, based in the U.S., interacts directly with applicants to complete the application process. We can complete the full application, or focus exclusively on the medical portion (i.e. Part II).

  • Our Medical Directors and Underwriters can consult with you on best practices to tune your application for the tele-application process, including offering recommendations on the construction of reflexive and drill-down questions.
  • All interviews are recorded for legal purposes and quality assurance review, and Authorizations are secured through voice signature, allowing for immediate collection of MIB, Rx and MVR, while the interview is being conducted
  • Inspection services or an APS can be ordered reflexively based on responses provided in the interview.

The whole picture. Laboratory testing and more.

With the right tools, all data has value in risk assessment – wet, dry, historical, and current. CRL provides comprehensive and customizable data acquisition services to adeptly assess future state.


A seamless past

Incorporation of meaningful indicators from historical data sources such as MVR, MIB, prescription drug databases and others has never been so seamless. The CRL PLUS® tool not only obtains credible data but derives the value held within. Each vector is configurable and driven by your own rules engine — or seamlessly automated with full CRL PLUS underwriting. The result is a trajectory of insurability, informed from every possible direction.


Lab testing.
The roots of our growing tree.

Laboratory testing is our legacy. It’s how CRL began nearly 30 years ago, and we are exceptional at it. We provide a full range of blood, urine, and oral fluid testing. From cardiac risk to viral infection, our comprehensive menu of tests and flexibility to customize profiles will meet all of your risk assessment testing needs. We even pioneered Smart Profile®, a process to customize laboratory testing to improve overall risk selection based on your specific population statistics.

Browse our Test Catalog


Predicting the future takes really smart scoring

SmartScore® provides risk-based scoring of all laboratory studies in combination with build and blood pressure. Based on over half a decade of CRL research, it addresses all components of the lab profile, including reflex tests. Scoring differs based on age and gender so that the relative mortality for each applicant, compared to peers, is contextual and accurate.

SmartScore identifies high-risk cases requiring further review, and stratifies standard or better risks into appropriate preferred categories. This process is based on the applicants’ mortality risk and your underwriting classes.

The SmartScore technology delivers equitable and consistent screening, regardless of volume. It delivers an applicant report that includes the risk (in debits and credits) for each test, as well as the total score.

SmartScore is offered as a stand-alone service, and can also be combined with CRL PLUS® underwriting automation for fully underwritten business.

two men looking over CRL prescription results

Your best underwriter on their best day. Every day.

Meet CRL PLUS®. Imagine a solution built for your products and risk tolerance to meet your unique underwriting specifications. By capturing application information and third-party data directly, CRL PLUS uses your rules to make intelligent underwriting recommendations in mere seconds — saving you time and avoiding underwriting discrepancies.

Simply scalable

CRL PLUS automates your underwriting process — from application and acquisition of third-party data sources, through decision making and on to the underwriting workbench — or out to the point-of-sale with a completed application. Used in part or as a whole, CRL PLUS® powers simplified issue or fully underwritten applications, including analysis of fluids and paramedical exams.

Decisions delivered

Simplified Issue

For non-medical applications, decisions are available immediately following receipt of third-party data. Decisions in need of authorization are routinely completed minutes after both third-party data and authorization become available.

With CRL PLUS, typically 70% of qualifying applicants are accepted automatically on day one. With minor modifications over the first few months, this can reach 80%.


Fully Underwritten

Decisions for medical applications are available as soon as the paramedical exam and lab results are received and processed. This is generally two days after the sample is mailed. In the case of agent-collected oral fluid, the decision will be available within 24 hours, once the sample reaches the lab.

On day one, normally 50% of those qualifying are accepted automatically. With modification, automatic acceptance of qualified applicants customarily reaches 70%.

Our dedicated team of underwriters has the experience and technical expertise to handle traditional full and large case underwriting, as well as older age and complex risks. Our capabilities include:

  • Full case assessment from submission to final decision.
  • Unbiased underwriting audit expertise from a neutral perspective. We bring best practices to every case.
  • Specific skill sets for disability, long-term care, major medical, impaired risk underwriting and financial underwriting.

Our case managers have insurance backgrounds, and work within your underwriting philosophy. We provide seamless, transparent reviews of applications and supporting documents “in good order.”

Trial applications are time consuming, diverting underwriting resources away from impactful activities. Our experienced underwriting staff reduces this burden by evaluating your informal applications and tendering a decision based on your guidelines. We also take on the responsibility for agent communications on these cases.

We understand the burden of Quick Quotes. Our experienced staff can quickly review and respond with a tentative quote for you. Responses are based on your guidelines, documented in a manner commensurate with your guidance, and subject to the balance of underwriting requirements.

We provide same-day interpretation of EKGs performed by an insurance-trained medical staff and coded using MIB criteria. We support interpretation of treadmill and ECHOs by accredited medical directors on staff.

People power

When you come to CRL, you get more than great data. You get a partner. We come with best practices, niche skill sets, and new philosophies. Leveraging our people provides operational power to your business, and support when and how you need it.

Underwriters, examiners and agents can track the status of each specimen using either the slip id (consent number) or the air bill number of the specimen shipment. Visit our Status Tracking System.

CRL’s secure online reporting system, OASIS®, enables fingertip access to laboratory reports, detailed test explanations, testing requirements, imaged copies of the laboratory consent form, and imaged copies of other documents scanned at the laboratory. OASIS can also be used to order additional tests.