LifePlus

Is there applicant history that could delay or halt the underwriting process? To make certain that you are not dealing with fraud or an uninsurable situation, we created LifePlus™.What do you get with LifePlus? LifePlus provides a variety of fraud detection services. Results can be available to you immediately on-line or within 24 hours via batch processing. These include:
  • Subject I.D. information — obtained from the applicant’s credit record. It includes verification of SSN, date of birth, name, former name, AKA name, current address and up to two former addresses. It will also provide information on bankruptcies, tax liens, suits and judgments.
  • Fraud Alert System — issues a warning that the SSN or address has been associated with fraudulent activity, or if an address is not a residence, e.g., prison, hotel, campground.
  • Employment information — provides current and up to two former employers. Includes applicant’s position, name of firm and city/state.
  • Driver history — obtained from a national database of MVR violations from 36 states for the past two years. Includes driver’s license information and violations.
  • Medical sources — obtained from completed APS reports. Includes clinic or physician name, address, phone and date completed.

Underwriters too busy to review each LifePlus Report?No problem. LabOne can apply your underwriting guidelines, score the LifePlus for you, and send you a “clear” or “not clear” message. Then, your Underwriters need only review the “not clear” reports.

Want to Know More?
Ask your LabOne or ExamOne representative about our individual and integrated underwriting solutions or email info@labone.com today.