Laboratory Testing and Risk Classification

  • Richard E. Braun


Historically, insurers in North America have been collecting and analyzing urine specimens form proposed insureds since the early 1900s. In this manner, they identified unknown or unreported diabetes and renal diseases — thereby allowing the more accurate classification of risk. Much later, blood testing was added to identify earlier stages of glucose intolerance, liver disease, renal disease, antibodies to HIV, and lipid abnormalities. More recently, oral fluid testing was developed to test for HIV antibodies, cocaine, and cotinine. As insurance policy design has evolved with different premium rates for tobacco and non-tobacco users and preferred risk categories, laboratory testing has assumed a greater role in the classification of risk.


Risk Assessment Prostate Specific Antigen Blood Urea Nitrogen Primary Biliary Cirrhosis Oral Fluid 
These keywords were added by machine and not by the authors. This process is experimental and the keywords may be updated as the learning algorithm improves.


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© Palgrave Macmillan, a division of Macmillan Publishers Limited 2006

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  • Richard E. Braun

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