Preparing an applicant for an insurance application exam usually includes instructions similar to those given before a physician checkup. It is advised that applicants follow their normal routine, take their medications as usual and do not participate in unusual heavy physical activity just before the exam. They are also advised that they can fast when blood is taken out for analysis. In the clinical area, patients are usually asked not to eat after 9 pm before drawing blood. It assumes that the patient will be in the doctor’s office early in the morning to draw blood. This advice is generally included in the risk assessment profile for life insurance issuance. However, most insurance exams are not done early in the morning, but rather fit into a schedule that is most convenient for the applicant. Adding A1c to your life insurance panel eliminates the need for fasting, thus allowing applicants to choose the timing of appointments throughout the day.
The American Diabetes Association (ADA) refers to A1c as a gold-standard or ‘powerhouse’ test. In detecting diabetes. When A1c is checked across the board in an insurance panel, the need for fasting is eliminated. This is because A1c will detect those pre-diabetic and diabetic applicants. It is not affected by recent food like glucose.
this white paper Evaluates the results of over 18,000 life insurance applicants over the course of a month. This includes various fasting times ranging from less than 8 hours to more than 8 hours. The results showed that mean cholesterol and HDL cholesterol were consistent across all fasting time intervals.
Screening with A1c reveals more diabetic and pre-diabetic applicants
In the first quarter of 2021, 51.8% of laboratory-confirmed diabetics failed to disclose their status on the laboratory prescription. Age-specific nondisclosure rates ranged from 70% or more in 18–30 year olds to ~35% in the 65+ population. In most age groups, the number of diabetic patients exceeds pre-diabetes.
By ending fasting, more appointment times are available for life insurance applicants
As is the case with patients in the medical field, many life insurance applicants look to morning exam appointments with the belief that they will need to fast. When an appointment is available only at 3:00 pm, the applicant may decide to postpone the exam for a few days until the morning hours become available. If insurers do away with the fasting requirement, applicants can capture appointment availability as soon as possible regardless of the time of day.
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