Underwriting Solutions

With the 1998 acquisition of SBSI and the 1999 acquisition of World Wide Health Services, our products and services are more than ever before specifically designed to assist life insurance companies in objectively evaluating the mortality and

Delivering More Than Just Test Results

morbidity risks posed by policy applicants. LabOne is poised to "Deliver more than just test results" to our clients.

Integration
When insurance companies choose the integrated LabOne/SBSI/ExamOne products, their applicants' underwriting requirements (exam data, lab results, APSs, MVRs, PHI's and inspections) can be quickly obtained with professional service and electronically transmitted to their insurance company's home office. Since the first step of the requirements gathering process is often the paramedical examination, we now have even greater opportunity to speed the process and help our clients generate insurance policies faster.

Express Insurance Services
Many of LabOne's insurance clients choose to outsource administrative tasks to our Express Insurance Services (EIS) department. EIS gathers insurance applicant information such as application forms, medical exam forms, inspection reports, APSs, and other additional paperwork, and electronically delivers the information to the underwriter. EIS also manages our Health and Wellness product. When requested by insurance clients, this service provides the insurance applicant with his or her laboratory results and detailed test information with minimal administrative costs for the insurer.

Additional Insurance Services

• Statistical Analyses — LabOne provides clients with statistical and results analyses, actuarial information and kit inventory tracking services.
• LabOne-Day Service Guarantee — Underwriters need fast and accurate laboratory results. LabOne set the industry standard with a one-day service guarantee for oral fluid specimen testing.

For more information on LabOne's Insurance Services please email insurance@labone.com.