ExamOne

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.

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

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

• Life insurance risk assessment
• Paramedical examination services
• Insurance laboratory testing
• Underwriting data analytics
• Mobile phlebotomy services

Headquarters

HQ city

Lenexa

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. 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
2. Paramedical Examination Services: Physical examinations conducted by qualified examiners at various locations including mobile phlebotomy, in-center exams, and Quest Diagnostics Patient Service Centers
3. 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
4. Health and Life Sciences Services: Mobile phlebotomy, specimen collection, and health data services for pharmaceutical research, clinical studies, and employer wellness programs
5. Underwriting Solutions: Risk assessment engine and analytical tools including Risk Identifier, HealthPiQture analytics, and integration with carrier underwriting systems

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels12 records

Core 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

Named customers5 records

Segments7 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability8 records

Feature13 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• DigitalOwlcoreTechnology or Integration · 31 July 2025Collaboration 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)coreStrategic or Co-development Partner · 21 July 2025Collaboration 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.
• UnderwriteMecoreTechnology or Integration · 18 January 2024Collaboration 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 InsightscoreTechnology or Integration · 14 April 2022Integration 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)coreStrategic or Co-development Partner · 26 August 2021Collaboration 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.coreStrategic or Co-development Partner · 20 June 2017Acquisition 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.
• ExamFXminorGTM or Marketing Partner · 24 March 2016Partnership to offer special pricing on licensing exam prep and continuing education courses to the life insurance industry. ExamFX provides exam preparation resources for producers.
• DocuSigncoreTechnology or Integration · 4 February 2016Integration of DocuSign eSignature into Policy Express platform for 100% digital life insurance application process. Enables quick, secure electronic signing for agents and applicants.
• GrailminorStrategic or Co-development PartnerCollaboration 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.
• CareDxminorStrategic or Co-development PartnerMobilization 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)coreOthersExamOne 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

Broad 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

• Xx.com/examone
• YouTubeyoutube.com/channel/UCMlIjGENclqBjAmif6vPRKg
• Facebookfacebook.com/ExamOne
• LinkedInlinkedin.com/company/quest-diagnostics-examone
• Instagraminstagram.com/examonelife

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ExamOne