ExamOne
ExamOne, a Quest Diagnostics subsidiary founded in 1972 and headquartered in Lenexa, Kansas, provides laboratory testing, paramedical examinations, and risk assessment data services to 70+ life insurance carriers and reinsurers across the US and Canada.
- Company typePrivate
- Founded1972
- HeadquartersLenexa, United States
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What ExamOne does
ExamOne is a wholly-owned subsidiary of Quest Diagnostics (NYSE: DGX) founded in 1972 and headquartered in Lenexa, Kansas, providing laboratory testing, paramedical examinations, and risk assessment data services to the life insurance industry. The company operates one of the largest single-site laboratories dedicated to life insurance risk assessment in the United States, processing blood panels, urine drug screens, expanded opioid panels, and oral fluid HIV testing, complemented by a national network of 2,300+ exam center locations, 70,000+ weekly appointment slots, mobile phlebotomy coverage, and integration with Quest Diagnostics' 1,500+ Patient Service Centers. Its technology platform centers on HealthPiQture, a customizable data-insights layer that aggregates LabPiQture (2-year historical lab lookback), ScriptCheck (prescription history), Sikka.ai oral healthcare indicators, DigitalOwl AI-processed EHR/APS records, ForMotiv behavioral analytics, and Risk Identifier (rules-based risk stratification engine) into a unified underwriting data feed for life insurance carriers.
ExamOne serves more than 70 major life insurance carriers and reinsurers across the United States and Canada, completing 1.6 million interviews annually in 290+ languages. Its primary customer segments are life insurance carriers and home offices, with secondary segments including insurance agents and brokers, life insurance examiners, and — through the ExamOne Health Solutions division — health plans, pharmaceutical and clinical research organizations, and employer wellness programs. The company generates revenue primarily through transaction-fee billing on laboratory tests and paramedical examinations, supplemented by subscription/recurring data services, professional services for clinical research specimen collection, and licensing/royalty arrangements for underwriting engine integrations. Pricing is negotiated on a multi-year, per-contract basis with carriers and home offices rather than publicly listed.
The business has expanded materially over the past decade through acquisitions (Superior Mobile Medics in 2016; Watermark Insurance Services Inc. and BW Underwriting Services Inc. in Canada in 2017), the launch of the HealthPiQture platform and Health Data Insights division in 2019, a 2023 expansion of the Patient Service Center footprint, and a dense sequence of strategic partnerships with Hannover Re, RGA, UnderwriteMe, DigitalOwl, Sikka.ai, and ForMotiv. Leadership transitioned in 2024 with Keith Ward assuming the Vice President and General Manager role from Subu Ramachandran, who was promoted within Quest Diagnostics.
ExamOne firmographics
Firmographics- Name
- ExamOne
- Legal name
- ExamOne
- Website
- https://examone.com
- Company type
- Private
- Founded year
- 1972
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- ExamOne, a Quest Diagnostics subsidiary founded in 1972 and headquartered in Lenexa, Kansas, provides laboratory testing, paramedical examinations, and risk assessment data services to 70+ life insurance carriers and reinsurers across the US and Canada.
- Ownership category
- akta.pro rank
ExamOne industry classification
Industry- Product category
- Insurance Risk Assessment Services
- NAICS
- Medical and Diagnostic Laboratories (62151), Testing Laboratories and Services (541380)
- SIC
- Services-Testing Laboratories (8734), Services-Medical Laboratories (8071)
- akta.pro primary industry
- Drug-of-Abuse & Toxicology Rapid Tests (Urine/saliva panels) (HLAHAOAG)
- akta.pro secondary industry
- Clinical Biomarker Testing Services (central labs, trial enrollment/monitoring assays) (HLAAAMAC)
Keywords
Where ExamOne is headquartered
LocationHeadquarters
- HQ city
- Lenexa
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
ExamOne business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Laboratory Testing Services: Risk assessment testing processed at state-of-the-art single-site laboratory including blood panels, urine drug screens, opioid panels, and specialized assays for life insurance underwriting
- Paramedical Examination Services: Physical examinations conducted by qualified examiners at various locations including mobile phlebotomy, in-center exams, and Quest Diagnostics Patient Service Centers
- Data and Information Services: Collection and analysis of personal health history through interviews, questionnaires, medical records, prescription history, and electronic health records for underwriting decision support
- Health and Life Sciences Services: Mobile phlebotomy, specimen collection, and health data services for pharmaceutical research, clinical studies, and employer wellness programs
- Underwriting Solutions: Risk assessment engine and analytical tools including Risk Identifier, HealthPiQture analytics, and integration with carrier underwriting systems
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise/Carrier Pricing |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels12 records
ExamOne product offering
Product offeringCore offering
ExamOne is a Quest Diagnostics subsidiary that provides laboratory testing, paramedical examinations, and risk assessment data services to the life insurance industry. The company operates one of the largest single-site laboratories in the U.S. and a national network of exam centers and mobile phlebotomists to collect health data, prescription history, and laboratory results used by carriers and underwriters to make policy decisions. It also offers a portfolio of data platforms (HealthPiQture, LabPiQture, Risk Identifier, ScriptCheck) and call center solutions for applicant health history collection.
Product overview
ExamOne is a Quest Diagnostics company offering a comprehensive suite of risk assessment services for the life insurance industry. The portfolio includes core laboratory testing services (blood, urine, oral fluid), data intelligence platforms (HealthPiQture, LabPiQture), prescription and medical history tools (ScriptCheck, QuestCheck, Risk Identifier), appointment scheduling (ScheduleNow), and call center solutions. The company operates one of the largest single-site laboratories in the country in Lenexa, Kansas, serving the life insurance industry for nearly five decades.
Differentiator
Problem solved
Functional benefit
Brands
- HealthPiQture: A highly flexible and customizable platform providing data insights including instant prescription history and laboratory history for underwriting decisions.
- LabPiQture
- Risk Identifier
- Inside Look
- ScriptCheck
- ScheduleNow
- Policy Express
- Inside Wellness
- QuestCheck
- MediCheck
- FraudCheck
- Oral Fluid Collection
Products and services
- LabPiQture Provides historical clinical laboratory testing results from physician-ordered tests, enabling insurers to access up to 2 years of lab data for risk assessment without requiring new specimen collection.
- HealthPiQture Flexible and customizable data insights platform combining laboratory results, prescription history, oral healthcare indicators, and behavioral analytics for quick and confident underwriting decisions.
- Risk Identifier Real-time risk stratification tool providing personalized risk assessment through a sophisticated condition-focused rules engine that synthesizes multiple data sources into detailed risk profiles for automated underwriting decisions.
- ScriptCheck
Quantifiable outcome
- 40% increase in personal history collection completion rates
- +5 more outcomes
Companies that use ExamOne
Customer profileNamed customers5 records
Segments7 records
Ideal customer profiles4 records
ExamOne technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability8 records
Feature13 records
ExamOne partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- DigitalOwlcoreCollaboration to provide AI-powered medical record review services. DigitalOwl's AI technology integrates with ExamOne's data platform to make Electronic Health Record and Attending Physician Statement reviews more efficient for carriers.
- Reinsurance Group of America (RGA)coreCollaboration to enhance ExamOne's Risk Identifier tool with expertly designed rules. RGA's expertise in reinsurance underwriting helps strengthen the rules engine for better risk assessment.
- UnderwriteMecoreCollaboration to offer life insurance carriers an underwriting assessment engine powered by ExamOne's real-time data insights combined with UnderwriteMe's versatile underwriting engine for automated decision-making.
- Sikka.ai / Sikka InsightscoreIntegration to offer 14 oral healthcare indicators for life insurance underwriting including Alzheimer's/dementia, COVID-19, sleep apnea, and periodontal disease indicators. Sikka.ai has one of the largest dental patient information databases in the US and Canada.
- Hannover Re US (hr | ReFlex)coreCollaboration to incorporate LabPiQture data into Hannover Re's hr | ReFlex automated underwriting solution. This integration brings advanced rules-processing to historical laboratory data for accelerated underwriting.
- Watermark Insurance Services Inc. and BW Underwriting Services Inc.coreAcquisition of Canadian underwriting services providers to expand ExamOne's capabilities in Canada. Watermark and BW served the life insurance industry for over 23 years and will provide outsourced underwriting solutions for US and Canada clients.
- ExamFXminorPartnership to offer special pricing on licensing exam prep and continuing education courses to the life insurance industry. ExamFX provides exam preparation resources for producers.
- DocuSigncoreIntegration of DocuSign eSignature into Policy Express platform for 100% digital life insurance application process. Enables quick, secure electronic signing for agents and applicants.
- GrailminorCollaboration to support Grail's Galleri multi-cancer early detection blood test with mobile phlebotomy services. ExamOne provides specimen collection support for this innovative cancer screening test.
- CareDxminorMobilization of 10,000 phlebotomists for home blood draws supporting transplant patient monitoring. CareDx focuses on transplant care diagnostics and ExamOne provides the phlebotomy network.
- Quest Diagnostics (Parent Company)coreExamOne is a Quest Diagnostics company, leveraging their laboratory expertise, Patient Service Center network, and corporate resources for life insurance risk assessment services.
Scale indicators17 records
Recent moves7 records
Expansion highlights6 records
ExamOne competitors and assessment
Company assessmentBroad incumbents
- LexisNexis Risk Solutions: Data and analytics provider serving life insurance carriers with prescription history, motor vehicle records, public records, and identity verification. A competitor at the data layer that disintermediates ExamOne's traditional exam/data collection services in accelerated underwriting programs.
- Laboratory Corporation of America (LabCorp): Broader clinical laboratory incumbent that also serves life insurance carriers with risk assessment testing. LabCorp competes with ExamOne (and its parent Quest Diagnostics) on lab testing volumes and offers comparable clinical lab infrastructure at scale.
- Verisk Analytics: Major insurance analytics and data platform incumbent. Verisk serves many of the same life insurance carriers with proprietary data, analytics, and underwriting tools, increasingly competing with ExamOne in the data-driven accelerated underwriting segment.
- Quest Diagnostics: Parent company of ExamOne and the largest clinical laboratory operator in the U.S. Provides the underlying laboratory infrastructure, PSC network, and CLIA/CAP framework on which ExamOne's insurance lab business is built; also a broader peer in clinical diagnostics.
Direct peers
- Clinical Reference Laboratory: Specialized insurance-dedicated laboratory providing risk assessment lab testing for life and health insurance underwriting. Closely comparable in business model — high-volume insurance lab testing with a focus on turnaround time and specimen integrity.
- Examination Management Services Inc. (EMSI): Direct competitor providing paramedical examination services and life insurance data collection across the U.S. EMSI offers the same core service bundle — paramedical exams, mobile phlebotomy, and personal history interviews — targeting the same life insurance carrier customer base.
- American Para Professional Systems (APPS): Direct competitor delivering paramedical examination, blood draw, and health data collection services to life insurance carriers. APPS competes head-to-head with ExamOne for carrier contracts and examiner networks across multiple U.S. regions.
- Hooper Holmes: Historically a direct competitor in paramedical exam and health data collection for the life insurance industry. While the company went through bankruptcy/restructuring, it remains a relevant historical benchmark and segment peer for insurance risk assessment services.
Emerging players
- DigitalOwl: AI-powered medical record review platform that processes EHRs and APSs for life insurance underwriting. Currently a technology partner of ExamOne, but as carriers adopt AI medical summarization more broadly, DigitalOwl represents an emerging alternative in the underwriting workflow.
- UnderwriteMe: Underwriting decision engine platform combining rules and data to enable automated life insurance underwriting. Currently a technology partner of ExamOne, but as a rapidly growing underwriting engine vendor, it represents an emerging competitive layer in the same workflow.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ExamOne social profiles
Digital presenceExamOne compliance and trust
Trust signalCompliance2 records
ExamOne financial estimates
Financial estimateRevenue estimate
Valuation estimate
ExamOne leadership team
Management profileNumber of profiles
Profiles8 records
ExamOne subsidiaries and ownership
Company hierarchySubsidiaries3 records
ExamOne funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ExamOne M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ExamOne
What does ExamOne do?
ExamOne is a Quest Diagnostics subsidiary that provides laboratory testing, paramedical examinations, and risk assessment data services to the life insurance industry. The company operates one of the largest single-site laboratories in the U.S. and a national network of exam centers and mobile phlebotomists to collect health data, prescription history, and laboratory results used by carriers and underwriters to make policy decisions. It also offers a portfolio of data platforms (HealthPiQture, LabPiQture, Risk Identifier, ScriptCheck) and call center solutions for applicant health history collection.
Is ExamOne a public or private company?
ExamOne is a private company. It is classified as corporate owned and is currently operating.
When was ExamOne founded?
ExamOne was founded in 1972. It employs 1,001 to 5,000 people.
Where is ExamOne based?
ExamOne is headquartered in Lenexa, United States, in the North America region.
How does ExamOne make money?
Five revenue lines are on record. Laboratory Testing Services are the primary driver. The others are paramedical Examination Services, data and Information Services, health and Life Sciences Services and underwriting Solutions.
Who are ExamOne's main competitors?
Broad incumbents on record are LexisNexis Risk Solutions, Laboratory Corporation of America (LabCorp), Verisk Analytics and Quest Diagnostics. Direct peers are Clinical Reference Laboratory, Examination Management Services Inc. (EMSI), American Para Professional Systems (APPS) and Hooper Holmes. Emerging players are DigitalOwl and UnderwriteMe.
Does ExamOne have an API?
No public API is recorded for ExamOne.
What industry is ExamOne in?
ExamOne's product category is Insurance Risk Assessment Services. Its primary akta.pro industry code is HLAHAOAG, Drug-of-Abuse & Toxicology Rapid Tests (Urine/saliva panels), with a secondary code of HLAAAMAC, Clinical Biomarker Testing Services (central labs, trial enrollment/monitoring assays). Its NAICS code is 62151 and its SIC code is 8734.