Life and DI insurers have been using “nicotine” tests routinely for over a quarter century. Nevertheless, there continues to be frequent issues between producers, their clients, and underwriters regarding test results. Researching a lecture on anti-selection and fraud, I took a peek at what is out there about these tests on producer blogs. What I found makes this a high …

It’s amazing how much good business is put in harm’s way because producers don’t know the pitfalls that can occur with insurance exams and screening laboratory tests. What’s more, these consequences are largely avoidable.  That is, if you know what they are and take the proper precautions. Basic Guidelines Wizened producers always try to get their clients examined in the …