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Outage notice:

Due to the global information outage that occurred this morning, Quest is taking swift action to respond, recover and restore our operations. Our Patient Services are operating with reduced capacity so you may experience longer wait and service times. Our Customer Contact teams are currently unavailable. We appreciate your patience as we work toward returning to normal operations. 


Solutions for life insurers 

ExamOne's suite of solutions bring speed, clarity, and ease to the underwriting process

ExamOne, a Quest Diagnostics company, has been a leader helping insurers complete the life insurance underwriting process since 1972. Our value-added services are designed to make the life insurance application process quick and convenient for consumers, insurance agents and insurance companies.  We never forget that behind each policy is someone making an important decision for his or her family’s future.

Traditional underwriting requirements

Our team of professionals specialize in obtaining medical information directly from the individual. We have the ability to conduct a personal history interview online or over the phone. Our interview scripts usually include questions to obtain personal and family medical information, as well as details on hazardous activities and financial information, but can be customized as needed. 

Many times applicants are required to have a paramedical exam performed. This typically includes the recording of height, weight, blood pressure and pulse and may also include a specimen collection. Through Quest Diagnostics, we have more than a thousand Quest Patient Service Centers available to life insurance applicants. Additionally, we have 1,500 ExamOne exam centers and 6,000 mobile examiners who can travel to the applicant's home or office to complete this requirement. 

ExamOne's laboratory has been serving the life insurance industry for more almost 50 years. Our main laboratory testing site for risk assessment specimens is located in Lenexa, KS with an additional testing laboratory located in St. Louis, MO. 

Real-time, health data insights

Backed by Quest Diagnostics, our unique data solutions deliver an unmatched, robust view of an applicant’s health history. Through LabPiQture™, insurers receive a 7-year longitudinal health history of an applicant through a database of clinical laboratory testing results.* This exclusive data set includes testing results for millions of unique patients.

Additionally, our prescription history database, ScriptCheck® reports on 24 billion prescriptions from the country’s largest pharmacy benefit managers and retail pharmacy chains. Cash prescriptions and uninsured prescription refills are also discovered through our ScriptCheck database.

Whether using these data sources as part of an accelerated underwriting program, or as a supplement to the traditional, full underwriting requirements, our data solutions provide in-depth insights to help life insurers make quick and confident decisions.

Our full portfolio includes:

  • Laboratory testing
  • Paramedical exams
  • Personal history interview 
  • Attending Physician Statements (APS)
  • Electronic Health Records (EHR)
  • Prescription history
  • Clinical laboratory testing history
  • Medical claims
  • Inspection reports
  • Motor Vehicle Reports

ExamOne's data tools and traditional solutions bring speed, clarity, and ease to underwriting decisions. 

Learn More

Learn how our solutions can help life insurers streamline the underwriting process. 

Contact Us

ExamOne by the numbers


life insurance exams completed annually 




phone-based medical history interviews annually 


CSAT with consumers