NT-proBNP: Implications for Life and Morbidity Risk Underwriting

Hank's 3rd NT-proBNP research paper is now available. It covers the world literature on this remarkable test from 2009 to early 2014.

Prior papers can be found here:

Reducing Our Use of Medical Records

Hank George, FALU, CLU, FLMI

The prevailing mantra of senior management regarding underwriting and most other operational functions is "faster, cheaper, better."

Underwriting and Older Age Applicants: Cognitive Impairment and Testing (Munich RE)

Practices related to the underwriting of older age applicants, typically ages 70 and older, are unique and evolving. While we continue to encounter a host of the most common impairments in this age group, such as coronary artery disease, stroke, cancer and diabetes, along with their inherent challenges, the elderly population presents additional concerns that are not always outwardly apparent, mentioned in an Attending Physician Statement (APS) or easily detected with routine underwriting tools.

Tech Makes Room for Life Insurance for the Middle Market

Most life insurance companies agree that the greatest opportunity for growth in the industry comes from the middle market. Middle-class consumers traditionally expect life insurance to be too expensive for their budgets or the application process too time-consuming. Insurers must rise to that challenge with innovative solutions, says Manish Bhatt, SVP and chief digital officer for MetLife (and a 2013 Insurance & Technology Elite 8 honoree).

Hepatitis C Eradiation - Yes its Possible…But At What Cost? (Scor Global Life)

185 million people are infected with the hepatitis C virus and 80% of them have a chronic form of the disease that can lead to cirrhosis and in some cases to liver cancer (hepatocellular carcinoma).

Risk Management and The Power of Simplicity

The problem with this narrative—and the focus of this article—is the very real risk management costs associated with the increased complexity, efficiency and overconfidence in the predictive power of models.

US Individual Disability Market Survey: Summary of 2013 Results (Gen Re)

Gen Re is pleased to report results for its 2013 U.S. Individual Disability Market Survey, an industry benchmarking study covering Non-Cancelable (Non-Can), Guaranteed Renewable (GR), Buy-Sell and Guaranteed Standard Issue (GSI) product line results for 2012 and 2013. Eighteen insurance carriers participated in the survey representing over $4.7 billion of inforce premium. Of these companies, 16 offer Non-Can, 17 offer GR and eight offer Buy-Sell. Seven companies reported Non-Can GSI and five reported GR GSI.

Interview with Michael DeKoning CEO of Munich American Reassurance Company

This interview appears on page 10 of the latest issue of Reinsurance News, a publication of the Society of Actuaries' Reinsurance Section.

Risk Insights March 2014 Edition (Gen Re)

Articles in the latest issue of Gen Re's Risk Insights include:

- No Easy Way Out: An Overview of International Trends in Suicide
- Suicide: Right to Die, Wrong to Claim?
- South African Group Mortality Experience
- Paying Assisted Death Claims - A UK Perspective

The Mortality Risks of Being Overweight or Obese are Underestimated

New research by Andrew Stokes, a doctoral student in demography and sociology in the School of Arts and Sciences at the University of Pennsylvania, suggests that many obesity studies substantially underestimate the mortality risks associated with excess weight in the United States. His study, "Using Maximum Weight to Redefine Body Mass Index Categories in Studies of The Mortality Risks of Obesity," was published recently in the open-access journal Population Health Metrics.

Chronic Pancreatitis Ups Risk of Cancer Death

Individuals with chronic pancreatitis (CP) are at higher risk for cancer death and other comorbidities than those without CP, according to a study published in the April issue of Gastroenterology

High BMI Prediagnosis May Lead to Poor Colorectal Cancer Outcomes

High prediagnosis body mass index (BMI) is associated with increased mortality after colorectal cancer diagnosis, according to a study presented at the annual meeting of the American Association for Cancer Research, held from April 5 to 9 in San Diego.

Blood...Without Blood: A Novel Simplified Underwriting Asset

Hank George, FALU, CLU, FLMI

The success of simplified life products in the marketplace will be greatly impacted by how the premium rates match up against fully underwritten products.

How to Insure Clients Who Use Marijuana

It is possible to secure preferred best non-smoker rates for medicinal smokers and standard non-smoker rates for recreational users

Risk Assessment of Crohn Disease

This article focuses on characteristics and risk factors that are of particular interest for making sound underwriting decisions regarding this condition.

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