Protective’s Underwriting team is now utilizing the LabPiQture data product from ExamOne to help expedite risk assessment.
LabPiQture is a near real-time report that may include an applicant’s clinical lab results, diagnostic codes, pathology reports and physician. These lab results are obtained from Quest and LabCorp who, together, account for nearly 80% of the non-hospital clinical lab market in the U.S.
LabPiQture provides results as far back as seven years. Applicants may benefit from the use of these results during underwriting with a reduced reliance on medical records and earlier indication of impairments that may need further investigation. The product also helps underwriters manage risk more effectively.
Currently, LabPiQture is used on fully underwritten products and processes. Additional use cases are being evaluated.
For questions, please contact your Protective Life representative.
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