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Making fast, confident underwriting decisions is more complex than ever. With the expanding landscape of data available, it's challenging to connect all the dots and see a complete picture of an applicant's health.

A blueprint for underwriting precision

ExamOne Risk Identifier® is a customizable rule-based decision support tool which provides underwriting recommendations based on a growing suite of real-time data products. This allows you to make more confident, consistent, and efficient underwriting decisions.

Underwriting expertise at its core

The sophisticated rules engine within ExamOne Risk Identifier evaluates condition-specific findings to provide a more holistic view of applicant risk—supporting better alignment with underwriting manual philosophies.

Analytics-driven approach

Rules are informed by analytical insights from historical data, including relative mortality and correlations among data types. In a typical midsize policy, Risk Identifier can identify $4,435 in protective value from a combination of ScriptCheck®, LabPiQture™, and medical claims.a

Actionable underwriting recommendations

Deliver significant protective value by highlighting high-risk/significant conditions and quantifying risk beyond the application.

Optimize workflow

A unified framework streamlines data integration, supports existing underwriting workflows, and reduces operational complexity.

a ExamOne original research, 2025.

Simplifying complex information

ExamOne Risk Identifier synthesizes disparate inputs into a single, clear, and explainable underwriting recommendation—enabling more precise risk stratification and consistent decision-making.

Advanced technology that powers precise underwriting decisions

Contact us to learn more about Risk Identifier®

The power of condition-focused rules

Anatomy of Risk Identifier

Actionable underwriting recommendation delivers significant protective value by highlighting high-risk/significant conditions and quantifying risk beyond the application.

Full explainability using transparent and configurable debit/credit rules that can be aligned with your company’s specific underwriting philosophy.

Standardized system designed to mirror and augment the logic of a human underwriter, with the consistency of an automated process.

Improved stratification of risk and placement of policies with granular, interacting rule sets.

Integrated underwriting assessment reflecting interactions among multiple data sources without penalizing the applicant multiple times for the same risk factor or condition.

TRANSFORMING INSURANCE UNDERWRITING

The role of health data in risk management

Explore the increased role of real-time health data to enhance risk assessment, improve underwriting accuracy, and protect policyholders from unexpected liabilities.
Download the white paper
The role of health data in risk management

Insights from the ExamOne blog

Stay informed on the trends, challenges, and innovations reshaping underwriting including “The New Rules for Automated Underwriting,” and “Unlocking Protective Value”.

Read the blog

Bring clarity to applicant risk

Whether you’re advancing accelerated underwriting or aligning risk evaluation across teams, our specialists can help you explore how Risk Identifier® supports your objectives.

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Our company

Quest® is the brand name used for services offered by Quest Diagnostics Incorporated and its affiliated companies. Quest Diagnostics Incorporated and certain affiliates are CLIA-certified laboratories that provide HIPAA-covered services.  Other affiliates operated under the Quest® brand, such as Quest Consumer Inc., do not provide HIPAA-covered services. 

 

Quest®, Quest Diagnostics®, any associated logos, and all associated Quest Diagnostics registered or unregistered trademarks are the property of Quest Diagnostics. All third-party marks—® and ™—are the property of their respective owners. © 2026 Quest Diagnostics Incorporated. All rights reserved. Image content features models and is intended for illustrative purposes only.