Impaired Risk Review: What Influences Lab Results?
Blood taken from insurance examinations are subject to many possible influences. Delays in handling, processing, and different atmospheric conditions may causes changes to lab results as opposed to those you would avoid when the labs are processed locally.
Tools and Data in the Underwriting Process (Slides)
The search is on for how to disrupt the underwriting process to find or select the best risks. Can data ever be as good as blood? There is an ever growing number of tools and resources becoming available to insurance companies to underwrite business. The presenters will present some of the tools, data sources, uses and concerns in the underwriting process.
Note: The session above (29) can be found in the 10:30-11:45 a.m. time slot
UPDATE: Debunking the Myths: the Facts about Cotinine
This popular post from 2012 has been updated with recent research.
Clinical Laboratory and Biometrics Measures Used to Assess Risk
This article will explore the past, present, and future of clinical laboratory and biometric testing as they apply to life, disability, and long-term care insurance underwriting.
Fluid Dynamics: Laboratory Testing and Life Underwriting
Life insurers have been using laboratory tests in risk appraisal for over 40 years They began with blood and urine, eventually adding oral fluid (habitually, but incorrectly called ‘saliva’).