Liver-Related Laboratory Tests: Underwriting Assessment (Slides)

Slides from Hank’s May 18 Liver Test presentation at the Rocky Mountain Society of Home Office Underwriters.

RGA ReFlections May 2016 Issue

This edition of ReFlections contains an in-depth review of the role of genetics in the rapidly changing diagnostic criteria, risk stratification, and treatment of individuals with chronic lymphocytic leukemia (CLL). RGA also discusses the relatively new but increasingly popular Cancer Reimbursement product and its design, underwriting and claims issues. ReCite, a medical literature review section, has articles of interest to both underwriters and medical directors.

LexisNexis Risk Classifier – An Effective Indicator of Mortality Risk (Munich RE)

Munich Re, US (Life) (Munich Re) assessed LexisNexis® Risk Classifier, which is a predictive modeling tool that was developed by and is proprietary to LexisNexis. LexisNexis allowed Munich Re access to the Risk Classifier in order to perform an objective review of its ability to accurately assess mortality risk using publicly available and easily obtainable non-biometric criteria.

Transforming Life Insurance with Design Thinking

Better addressing the evolving needs of consumers can help incumbents win their loyalty—and protect against new competitors.

Accelerated Underwriting and Simplified Issue | New Underwriting (Slides)

Slides from this session, presented at the 2016 SOA Life & Annuity Symposium, have been posted. See Session 47 at the 8:15-9:30 am time slot.

Underwriting Low Cholesterol

This article, originally published in On the Risk, has been made available at the Optimum Re website.

Hypertrophic Cardiomyopathy vs Athletic Heart Syndrome

In life insurance underwriting, it is important to recognize the differences between hypertrophic cardiomyopathy (HCM) and the benign heart enlargement of an athlete.

Excess Weight May Not Equal Early Mortality After All

The body mass index (BMI) linked to the lowest rate of all-cause early mortality is rising, according to a study published in the May 10 issue of the Journal of the American Medical Association.

For New Antipsychotic Users, Dose, Duration Impact Mortality

Dose and duration of therapy are associated with mortality for new antipsychotic users, according to a study published online May 10 in the Journal of the American Geriatrics Society.

MIB Life Index Reports U.S. Life Insurance Activity up 1.0% in April

The growth trend in U.S. application activity for individually underwritten life insurance showed signs of restraint in April, up 1.0% year-over-year, all ages combined.

The Specter of Antiselection

The phenomenon we call antiselection constitutes a clear and present danger to the life insurance industry. A simple definition of this scourge is “not disclosing information known by the insurance applicant in order to get life insurance per se or acquire coverage at a lower premium rate than if that information had been revealed on the application.”

From Insurance to Surveillance: Experts Debate Privacy in the Age of Big Data

Big Data is scary. That's the one thing that four people from very different professions agreed on during a panel at a Kenyon College political-science conference about technology's impact on privacy in the 21st century.

Self-Diagnosis: Does the Consumer Have the Advantage over the Insurer?

The purchase of any type of insurance is based on the premise that the applicant/proposed insured will disclose any and all pertinent information related to insurability and that the insurer will act upon that information in good faith. If information is withheld, the balance of the transaction is altered.

WAHLU Spring Seminar: Presentations

Presentations from the 2016 Wisconsin Association of Health and Life Underwriters (WAHLU) Spring Seminar have been posted at their website. Presentations include:

- CAD and Beyond
- Neuropsychology and Cognitive Disorders
- PTSD

Eight Startups Aiming to Transform the Life Insurance Business

This is part two of research by guest author Amy Radin on the Life Insurance business. In Part 1 last week, Amy outlined the fundamental business issues behind the decline in Life Insurance and the white space opportunities this opens up for entrepreneurs. In today’s research note, Amy looks at 8 startups aiming at the white spaces.

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