Insurance Underwriters Rapidly Adopt Point-of-Care Verification
Life and health insurance underwriters are increasingly adopting point-of-care cotinine verification devices during policy application appointments, treating same-visit verification as the preferred approach rather than waiting days for laboratory-based confirmatory results. Manufacturers have expanded point-of-care device accuracy and regulatory approval capability significantly over the past several years, and underwriters increasingly specify point-of-care devices by default when processing new policy applications. Major insurers report point-of-care verification now covers roughly two in five underwriting tests, up sharply from a small base less than a decade ago. This shift has accelerated markedly since 2023.
Market Impact: Adds 2,200 new underwriting testing








