Two underwriting services organizations have developed a program that life insurers can use to detect excess mortality risk in blocks of what appear to be low-risk life policies.

MIB Solutions Inc., a unit of MIB Group Inc., Braintree, Mass., will be offering members service that combines MIB analytical tools with laboratory data from the Heritage Labs division from Hooper Holmes Inc., Basking Ridge, N.J. (NYSE Amex:HH).

MIB is a consortium that helps member companies control risk by collecting underwriting information about individual insurance applicants.

MIB members can use the Audit Focus tool to check all recently issued life policies for “specifically identified laboratory results” from Heritage Labs, MIB says.

The tool can be especially helpful in identifying possible mortality risk in blocks of preferred-risk business, MIB says.