Health Underwriting Study Group

	Clinical Reference Laboratory is a leading provider of laboratory testing for the life and health industry and recognized as the industry leader for providing new testing technology. We are committed to providing our clients with innovation in IT services, unparalleled personalize service, better risk selection tools and overnight processing of samples – all focused on providing a competitive advantage to our clients.
	Colibrium Partners is a new breed of consulting partner offering strategic, business and IT solutions and consulting to the insurance industry. Colibrium Partners leverages Benchmark Requirements, a Benchmark Application and a BPM Insurance Framework to provide sales and service automation solutions. This approach maximizes the value provided by utilizing ROI based Benchmark Requirements as the starting point, a Benchmark Application to ensure user effectiveness and adoption and BPM to implement complex business rules rapidly while enabling the business to own and maintain the solution.
	ExamOne, a Quest Diagnostics Subsidiary, is the nation’s leading provider of risk assessment information for the life insurance industry. Our integrated supply chain includes paramedical examinations, laboratory testing, attending physician statements, teleunderwriting and inspections. This integration simplifies the order, status and retrieval of these products, provides one source for all underwriting requirements and accelerates the policy application-to-issue cycle.
	Fiserv is teaming up with hundreds of insurance carriers to align technology with business needs for every insurance process. Our life and health underwriting solution delivers powerful rules-based decisioning and case management. You can make smart decisions in a fraction of the time it takes today.
	Hank George Inc. (HGI) offers the only independent underwriting education programs in North America for life, health, disability, critical illness and long term care underwriters. We also provide an online pharmaceutical guide with essential information underwriters need to assess the significance of medications used by insurance applicants. As a driving force in teleunderwriting, Hank George, Inc. offers a broad range of services to insurers embracing this revolutionary approach to risk appraisal, worldwide.
	Heritage Labs provides laboratory testing services for the insurance and financial services industries. As the value provider, we were the first to offer BMI, eGFR and Cotinine Confirmations at no additional cost. As the innovation leader, we’ve long been one of the most automated labs in the country. Heritage Labs is also an FDA-registered manufacturer of medical devices and customized specimen collection kits.
	Ingenix offers a full range of solutions designed to facilitate and streamline the day-to-day workflow. Combined with its Reden & Anders subsidiary - a leading actuarial and underwriting consulting firm - Ingenix provides integrated products, strategic consulting and change management services designed to automate standard processes that reduce costs while driving profitable growth. The company's advanced technologies provide compelling new ways for health plans to generate new business with faster, more accurate quotes, and protect renewal business. More information about Ingenix can be obtained at http://www.ingenix.com.
	MIB Solutions, Inc. Undisclosed health conditions on an application can cost your company millions in early, unforeseen claims. MIB's Checking Service increases underwriting effectiveness by giving you more complete information to ascertain the risk. Stay competitive, maximize profit, and minimize risk by putting North America’s largest database of medical conditions on insurance applicants to work. Visit with us at the expo to learn more about the MIB advantage.
	Milliman IntelliScript® delivers detailed prescription histories to underwriters' desktops. IntelliScript prescription histories are: authorized in advance by the applicant delivered online via the Internet within seconds designed to uncover critical medical information IntelliScript is quickly becoming a standard tool to enhance medical underwriting. If you're considering prescription histories, please contact us.
	MRS has over 20 years of experience in providing quality risk assessment and claims investigation information to the life and health insurance industry. Tools include TeleInterviews, TeleUnderwriting, APS retrieval and more. Recently, MRS began offering SAS platforms to manage and automate new business and application flow.
	Realtime Solutions Group provides Realtime STP™ software solutions that can help individual health insurers streamline their new business process. From a robust eApplication with eSignatures to a more efficient rules-based underwriting process, Realtime can help you reduce time to issue and create immediate and sustainable competitive advantage in your sales channels.
	Risk Concepts LLC provides the most comprehensive underwriting manual available for individual health lines. The Risk Concepts Individual Medical manual was developed by underwriters, for underwriters. The manual includes suggested rating and surcharge actions for thousands of medical conditions. Underwriting actions are protective, yet designed for maximum rates of issue.
	At RSA Medical, to strive for exceptional service and to exceed your expectations daily is both a corporate mission and a shared personal belief. We feel a brand is the sum of your experiences with a product or service—the intangible impression you’re left with, created over time. Brands are serious business, and RSA Medical takes its brands as seriously as money in the bank. We protect the value of our brands by delivering superior quality to our customers—every time. We hope this meeting will serve as a window through which you can see into, and better understand, the brand that is RSA Medical.