The Future of Underwriting - It is Nearly Here!

Recent technological and medical advancements are enabling easy access to medical information, bringing challenges and major opportunities for insurers. So what do these technological and medical advances mean for underwriters? This paper explores the implications of these changes.

Predictive Modeling and its Applicability in Life Insurance (Presentation)

Presentation by Tim Heslin and Nabaneeta Sirkar, AIG Life, Health and Disability Business delivered at Actuaries’ Club of Southwest 2015 Spring Meeting.

Life Insurers Face New Health Threats

New health risks have been presenting clear challenges for life insurers as they seek to analyze, understand and assess the potential impact of these risks on mortality and morbidity and then develop strategies for mitigation. Dangers include antimicrobial resistance, pandemics and health problems linked to climate change. RGA Vice President and Medical Director Dr. Daniel Zimmerman explores the implications of emerging and re-emerging health risks in A.M. Best.

A Glimpse Into Our Elderly Underwriting Survey Results

Since 2008, Gen Re has tracked risk selection practices among elderly applicants in the U.S. individual life insurance market. We conducted our most recent survey last year.

Updates in Cerebrovascular Disease​​​

The intent of the article is to review many of the most common but complex challenges in the underwriting of stroke, including discriminating TIA from its many mimics, addressing the increasing incidence of stroke in younger individuals, and reviewing basic principles in the evaluation of carotid stenting and cerebral aneurysm.

Multi-Drug Use for the Astute Actuary (Presentation)

Presentation by John F. White III, MD, MBA, FLMI, DBIM, SVP and Medical Director American National, delivered at Actuaries’ Club of Southwest 2015 Spring Meeting.

International Health Briefs – Hepatitis C

This brief explains hepatitis C, discusses the new drugs and their efficacy, and provides guidance around verification of medical necessity of treatment, claims considerations and underwriting considerations.​

The Intersection of Psychiatry, Drugs, and Mortality (Presentation)

Presentation by Scott Coller, Milliman Intelliscript, delivered at Actuaries’ Club of Southwest 2015 Spring Meeting.

Mortality Improvement Trends in the U.S. (Presentation)

Presentation by Carrie Kelley, FSA, MAAA delivered at Actuaries’ Club of Southwest 2015 Spring Meeting.

Do Genes and Microbes Drive Obesity?

The increasingly obesogenic environment has amplified the underlying tendency for people to gain and retain excess weight.

The Future of Underwriting: A Reinsurer Partner’s View

This interview with Joe Gilmour appears on page 26 in the latest issue of the SOA’s Product Matters newsletter. Also featured in this issue: Underwriting Issues and Innovation (page 17). (articles appear in June 2015 issue)

Weed Users Avoid Smoker Penalties at 29% of U.S. Life Insurers

Marijuana users, who can now buy weed without fear of arrest in some U.S. states, can also get life insurance without facing a smoker penalty -- if they shop carefully.

Avoiding Material Misrepresentation and Fraud in Life Insurance

We traveled a great deal this past year, visiting clients, potential clients and attending industry meetings. Along the way, the topic of fraud in the Life insurance industry came up quite a bit.

Lincoln Financial Taps Third-Party Data for Faster Underwriting

Many prospects for life insurance are turned off by the perception that the application process is long and invasive. Lincoln Financial Group is using big data to make it a little easier.

What is the Future of Straight Through Processing?

As you read all the latest statistics in life insurance, annuities and long term care insurance from sources like LIMRA1, they all point to four key trends.

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