Greetings! ,
Those mortality questions....keep them coming!
After completing the publication of our initial research on applicant laboratory tests in 2012, we have had a slight hiatus in publishing additional research results. Some of our attention has been directed to developing and implementing CRL Smart Score™ and CRL PLUS® automated underwriting solutions for several clients, but the rest has been focused on expanding the size of our research database to include a larger number of both tested individuals and deaths. Calculating reliable and usable mortality ratios for lab tests and physical measurements needs lots of applicants, deaths and test results. Our research has used a variety of datasets over the last 8 years that cover different periods of time in various ways and contain some test results but not others. We have just assembled our largest and most comprehensive dataset ever, covering applicants tested from 1991 to 2007, followed up with a check of the Social Security Death Master File (SSDMF) for their vital status in September 2011. That date is key because, just after that, the state-reported deaths were retrospectively removed from the SSDMF without warning (leaving just federal-reported deaths). This excluded many deaths for those under age 65. It is not clear when and if this decision will change so this may be the last CRL data set capturing deaths we can create for a long time. Our new data set contains almost 11 million applicants including over 350,000 deaths and a median follow-up of 9 years. It gains 28% more applicants and 42% more deaths as compared to our previous largest as well as inclusion of additional tests. This includes an increase of 20% for applicant blood pressure and build. With this research tool in hand, we look forward to a continued stream of client questions; now we can provide you with even more precise answers. |
A Smart Score™ Case Study:
What class would you offer to each?
__Best Preferred __Preferred __Select __Standard
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Lab Profile Results
Ht: 5'6" Wt: 167 Ht: 5'8" Wt: 184
BMI: 27 BMI: 28
Test Usual Test Usual
Result Range Result Range
Chol 320 High <240 290 High <240
HDL 80 35-100 47 35-100
Chol/HDL 4 <5 6.2 High <5
HbA1c 6.2 High <6% 5.8 <6%
All other testing No Debit,No Credit
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Smart Score™ Study Results
 What Did Smart Score™ Find? Ernesto has no risk for cholesterol because his ratio is
OK, but has a small risk for this level of HbA1c at his age.
What Did Smart Score™ Find?
Michael has a small risk for his chol/HDL ratio of 6.2 in
men of this age, regardless of the cholesterol. Smoking
risk is simply additive to lipids or HbA1c (and already
priced into smoking classes.)
Overall, their relative risk is equal. The risk for each would exclude them from preferred classes, but they would fall under a typical "standard class" range. Chol/HDL and HbA1c risks are not black and white, but shades of gray, varying by value, age and sex, but not smoking status.
For further explanation as to why these results may be different from what you might expect, contact a CRL Sales Representative at 800.445.6917.
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Phoenix, Arizona
*Come see us at
booth #200!
May 22-23
Toronto, Canada
CLIMOA
June 5-7
Toronto, Canada
SEHOUAJune 19-21
Aventura, Florida
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Science
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A Highly Efficient and Profitable Risk Assessment Tool
Learn more about Smart Score™ by contacting your CRL Sales Representative at 800.445.6917.
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CRL SAMPLE WATCH
Have an applicant that requires testing outside the defined testing requirements?
CRL's Sample Watch provides a means to request the additional testing BEFORE the sample is received at the laboratory.
For further information on this service, contact your customer service representative at
1-800-882-1922.
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Technology
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PLUS Rx™
Automatically Underwrite Prescription Profiles!
The CRL PLUS® underwriting engine facilitates automated retrieval, evaluation and scoring of Rx data - providing a risk class result using your underwriting rules.
For more information, contact your CRL Sales Representative or call 855-850-PLUS (7587).
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