by Ed Hinerman | Sep 19, 2013 | abnormal labs, application process, approval, impaired risk life insurance, Independent agent, insurance, life insurance, life insurance approval
We’ve had an ongoing dialog the past month or so about life insurance predictive models or methodologies and how the life insurance industry might embrace and use this new technology to both help clients get better rates and put a more solid floor in...
by Ed Hinerman | Sep 13, 2013 | BMI, impaired risk life insurance, insurance, lab results, life insurance, life insurance approval, mortality, mortality risk
Not long ago I went on a tear about American General’s use of the CRL Lab’s proprietary laboratory analyzing methodology called “Smart Score”. The blasting cap for that little tiff was a case that American General declined, obviously using the Smart Score numbers to...
by Ed Hinerman | Aug 14, 2013 | A1c, approval, BMI, impaired risk life insurance, insurance, life insurance, life insurance approval, mortality, mortality risk
As related in a post yesterday which was a follow up on a previous post concerning the American General use of the CRL Labs Smart Score methodology for underwriting, I have breaking developments. After being rebuffed by CRL, being told that they couldn’t tell me...
by Ed Hinerman | Aug 13, 2013 | application process, approval, decline, diabetes, insurance, life insurance, mortality risk
Not too long ago I went off on American General for using the CRL laboratories smart score system as justification for declining a client. Since then I have been on somewhat of a quest searching for just what the smart score is and more precisely how it is supposed to...
Recent Comments