Featured Article

Webinar Recording: Fair vs Unfair Discrimination in Underwriting

Tue, 06/25/2019
Here is the recording and powerpoint file of Hank's webinar on Fair vs Unfair Underwriting presented on June 18, 2019.

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Life
life insurance
Underwriting
big data
automated underwriting
regulatory

News

5 Questions to Ask When Evaluating an Automated Life Insurance Underwriting System for Your Business

Thu, 05/20/2021

Several systems are available in the market. To help you research beyond a provider’s high-level content and demos to evaluate the right system for your business, we recommend asking them the following five questions.
 

Link
5 Questions to Ask When Evaluating an Automated Life Insurance Underwriting Sys…
Life
Underwriting
automated underwriting

Accelerated Underwriting and COVID-19

Thu, 05/20/2021

Munich Re Life US conducted an accelerated underwriting survey to capture new and emerging trends in the U.S. individual life accelerated underwriting market.

Link
Accelerated Underwriting and COVID-19
Life
Underwriting
COVID-19
survey

Demystifying Risk Stratification of Pulmonary and Thyroid Nodules

Thu, 05/20/2021

Underwriting pulmonary and thyroid nodules has always been a distinct challenge. In a two-part article for ReFlections, RGA's Sandeepan Basu seeks to simplify the underwriting challenges associated with both types of nodules by identifying factors to better quantify risks and provide guidance.
 

Link
Demystifying Risk Stratification of Pulmonary and Thyroid Nodules
Life
Underwriting
pulmonary nodules
thyroid nodules

Life Insurers Ponder How to Underwrite COVID-19 Survivors

Thu, 05/20/2021

Options range from the most severe—refusing to extend coverage—to treating the virus like cancer, respiratory illnesses and other conditions that must be disclosed when applying for life insurance.

Link
Life Insurers Ponder How to Underwrite COVID-19 Survivors
Life
Underwriting
COVID-19

How Data Science Is Redefining the Medical Director’s Role

Thu, 05/20/2021

Data analytics projects have become increasingly common across the insurance industry in the last few years and have really taken off in the Life sector. It’s a trend that requires the input of Medical Directors - and it gives the Directors a chance to shine.

Link
How Data Science Is Redefining the Medical Director’s Role
Life
Underwriting
big data
management

Brief Report: Gene and Cell Therapies

Thu, 05/20/2021

Rapid advances in medical science’s understanding of the human genome have led to the recent development of novel gene-based therapeutic strategies. In ReFlections, RGA's Dr. Dan Zimmerman defines gene and cell therapies and provides insights into these rapidly developing and impactful technologies.

Link
Brief Report: Gene and Cell Therapies
Life
Insurance Medicine
Genetics

registration

Hypothyroidism: Often A Silent Disease

Thu, 05/20/2021

Hypothyroidism is estimated to be present in over one percent of the population and up to five percent over the age of 60. While hypothyroidism is easily diagnosable through laboratory testing, most lab panels do not include it as a routine test.
 

Link
Hypothyroidism: Often A Silent Disease
Life
Underwriting
hypothyroidism
impaired risk

Diagnosis – Colon Cancer: Five Personal Lessons from an Underwriter and Survivor ​​

Thu, 05/20/2021

Cancer is an abstract idea in underwriting, until it happens to the underwriter. Get a candid and highly personal perspective, which was first offered at the AHOU 2021 Annual Conference.
 

Link
Diagnosis – Colon Cancer: Five Personal Lessons from an Underwriter and Survivo…
Life
Underwriting
cancer underwriting
colon cancer

Current Trends in Gestational Diabetes Mellitus

Thu, 05/20/2021

The global burden of gestational diabetes mellitus (GDM) is on the rise alongside increases in obesity and changing lifestyles. In ReFlections, RGA's Dr. Reema Nathwani Jani explores the history, complications, management, and long-term outcomes of GDM on maternal morbidity and fetal mortality, as well as links with diabetes, CVD, and cancer risks. 

Link
Current Trends in Gestational Diabetes Mellitus
Life
Underwriting
gestational diabetes
Insurance Medicine
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Articles

Red Flags in Opioid Use Underwriting (Slides)

Wed, 04/24/2019

Hank's second of two lectures on opioid underwriting.

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Life
life insurance
Underwriting
opioid abuse

Underwriting Opioid Use and Abuse (Slides)

Tue, 01/08/2019

Hank's first of two lectures on opioid underwriting.

 

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Life
life insurance
Underwriting
opioid abuse

Melanoma Underwriting

Fri, 05/18/2018

Slides from Hank's lecture on state-of-the-art melanoma underwriting at the 2018 AHOU conference.

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Life
life insurance
Underwriting
melanoma

The “Invasive” Hoax

Sun, 04/01/2018

Have you noticed that the word invasive is being bandied about more and more often in underwriting-related articles and commentaries published online and in various industry publications? This is mainly being done by those advocating radical changes in underwriting practices.

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Underwriting
Life
life insurance
accelerated underwriting

Low ALT: RED FLAG in Elderly Applicants

Thu, 03/15/2018

The purpose of this paper is to discuss the insurability implications of low normal/ below normal ALT in the elderly… in the hope that insurers will consider adding appropriate guidelines for this finding at older ages.

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Life
life insurance
Underwriting
ALT
X