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’).