Insurability of Former Drinkers

People stop consuming alcohol for a variety of reasons.

Some of those reasons – for example, joining a religious group where alcohol use is frowned upon or finally capitulating to nagging by a teetotaling spouse – have no insurability implications.

Then, there are the others…

Impaired Risk Review: The Word on GERD

GERD, or gastroesophageal reflux disease, is when reflux (backward flow) of stomach contents in the body causes symptoms or complications.

Predictive Modeling

Predictive models and predictive analytics have recently begun to permeate the U.S. individual life insurance market. All direct writing companies and reinsurers need to develop an understanding of these models and their implications for risk selection, risk classification and mortality pricing.

An Analysis of Motor Vehicle Records and All-cause Mortality

Mortality analysis of applicants based on MVR records conducted by RGA:

Screening for Dementia and the Impact on Mortality and Morbidity in Long-Term Care Insurance

Carriers providing long-term care (LTC) insurance have historically invested significant resources in risk management activities designed to ensure that policies are properly priced and that premiums can remain relatively stable for consumers. An important focus of such risk management activities has been the medical underwriting process and more specifically dementia screening.

LOMA Resource: Unlock the Power of Technology

Some of today’s top insurance industry CIOs discuss their challenges, top priorities and the technology innovations they are watching.

Knowing Me, Knowing You: Why Cognitive Science Matters to Actuarial Science

Discoveries in the past 30 years have profoundly altered our understanding of human cognition. The implications for actuarial science and risk management are only beginning to be understood.

Nearly Half Of Critical Illness Insurance Claims Begin Prior To Age 55

Just under half (47%) of new critical illness insurance claims in 2011 began prior to age 55 according to the 2012 Buyer & Claimant Study conducted by the American Association for Critical Illness Insurance (AACII) and General Re Life Corporation.

Automated Processing Pays Off

Health insurers are counting on technology to reduce the claims-processing errors that cost billions of dollars and frustrate patients and physicians.

Comorbidities Increase Risk Of Mortality In COPD Patients

A new study published online in the American Journal of Respiratory and Critical Care Medicine reveals that comorbidities amongst patients with chronic obstructive pulmonary disease (COPD) are common, and that several of these comorbidities are independently linked to a higher risk of mortality.

Lower All-Cause, Cardio Mortality in Obese With RA

Overweight and obese patients with rheumatoid arthritis (RA) have lower all-cause and cardiovascular mortality, but have substantially increased risks of comorbidities, medical costs, and reduced quality of life compared with normal-weight RA patients, according to a study published online April 18 in Arthritis Care & Research.

QuickStats: Asthma Death Rates, by Race and Age Group — United States, 2007–2009

In 2007–2009, the asthma death rate in the United States was higher for blacks than whites overall and for each age group, except persons aged ≥75 years, for whom the difference was not statistically significant.

Introduction to Rx in Underwriting

Hank recently recorded a pair of videos in which he covers the fundamentals of Rx in underwriting. Topics covered include off-label prescribing, drug classification, the significance of drug delivery route, nonadherence, and much more.

Underwriter Audits: 12 Factors to Consider

Underwriter audits are indispensable resources for chief underwriters. While not the only basis for assessing performance, they are the single most significant benchmark where line underwriters are concerned. It would be essentially impossible to manage underwriters without having sufficient insight into their performance on the job.

Dementia Risks Grow for Life Insurers as Population Ages

Insurers are starting to make cognitive impairment testing a part of the underwriting process for larger life insurance cases, especially for older-aged applicants, according to Dr. Stephen Holland

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