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Smart Score a Smarter Choice!
Leading Insurance Companies are choosing Smart Score to assess applicant risk. That's because actuarial and laboratory science come together to provide a better, more accurate underwriting assessment. Smart Score is the CRL laboratory, BP and build scoring tool supported by years of published research on assessing risk for each test, and on effectively combining results to give a total score reflecting the unique contribution of each test for each age-sex combination. You might (and should) ask about how Smart Score stacks up to the competition,which has more recently sprung up, because we are convinced most of the industry will be using laboratory scoring for tested business within 5 years.
As documented by major Insurers and Reinsurers, Smart Score achieves risk discrimination from the best 10% of applicants (at any age) right down to the worst 10%. This far exceeds any other current preferred criteria and (manual) underwriter screening of laboratory studies and physical measurements. Our leading competitor displays that they can only discriminate risk for the worst 30% of insurance applicants and offers little or no risk discrimination for the standard to preferred pool (and doesn't show you results split by sex and decade of age).
Please contact your CRL representative to learn more about Smart Sore or discuss a Smart Score underwriting comparison.
Smart Score a Smarter Choice!
In our next "Reference Point", CRL will be discussing NT-proBNP of All-Cause Mortality in a Population of Insurance Applicants!
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A Smart Score™ Case Study:
What class would you offer to each?
__Best Preferred __Preferred __Select __Standard
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Lab Profile Results
Test Expected Test Expected
Result Value Result Value
Hep C Negative Negative
AlkPhos 102 1-120 82 1-120
AST 45 HIGH 1-41 35 HIGH 1-41
ALT 40 0-45 90 0-45 GGT 60 1-65 30 1-65 Urine Normal Normal
*All other tests normal *All other tests normal
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Industry Publications
Coming in our next Issue:
NT-proBNP as a Predictor of All-Cause Mortality in a Population of Insurance Applicants! |
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February 22 - 25, 2014
St. Petersburg,
March 9 - 12, 2014
Las Vegas, NV
CUF
March 20, 2014
Charlotte, NC
April 27 - 30, 2014
Toronoto, Ontario, Canada
May 4 - 7, 2014
Indianapolis, IN
May 28 - June 3, 2014
Montreal, Canada
SEHOUA
June 25 - 27, 2014
Miami Beach, FL
MUC
September 10 - 12, 2014
Madison, WI
September 27 - October 1, 2014
Philadelphia, PA
CUF
October 16, 2014
Charlotte, NC
November 20 - 22, 2014
Hollywood, FL
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Smart Score™ Study Results
 What Did Smart Score™ Find?Tom actually has a mortality risk in the best 25% of all male, 62-year old non-smokers.
What Did Smart Score™ Find?
Sue has a mortality risk almost twice as high as the average 38-year old female, non-smoking applicant.
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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Science |  Save Time
& Money!
For further information on this service, contact your customer service representative at
1-800-882-1922.
Swift Screen provides a secure environment for ECG image reviews by teams of medical professionals. CRL partners with qualified physicians well known in the industry to provide this ECG review service. Their interpretations are then transmitted to the insurance company along with the lab test results from CRL.
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2013 Customer Satisfaction Survey!
We very much appreciate the opportunity to serve you! Your feedback is important and helps us to continually improve
our service offerings.
Thank you!
Please click the link below and take 2 to 3 minutes to complete the following 11 question survey.
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Technology
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Automatically underwrite simplified issue and / or fully underwritten applications!
The CRL PLUSŪ underwriting engine facilitates automated
retrieval, evaluation and scoring of third party 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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