The Future Of Work Is Now—The Digital Life Underwriter
One of the most frequently-used phrases at business events these days is “the future of work.” It’s increasingly clear that artificial intelligence and other new technologies will bring substantial changes in work tasks and business processes. But while these changes are predicted for the future, they’re already present in many organizations for many different jobs.
Company Practice Survey of Individual Life Insurance Accelerated Underwriting
Among the areas addressed include the structure of accelerated underwriting programs, how programs are monitored, how accelerated underwritten business is performing relative to expectations and how companies are considering accelerated underwriting cohorts in the context of VM-20 assumption setting.
Could the advances in artificial intelligence that have been applied to the game of chess enhance actuarial science and underwriting? While data drives machine learning today, RGA's Dr. Jeff Heaton notes that Google's AlphaZero demonstrated how a computer can teach itself chess without data.
Trick or Treat: How Smarter Segmentation and Data Use Can Help Insurers Win Policyholders and Avoid Ghoulish Risks
For some, there’s no spookier scenario than blood work and cumbersome forms to obtain insurance coverage. But as Neil Parkin of RGA South Africa explains, emerging risk segmentation techniques, combined with smarter use of data, could help ease these fears.
E-Cigarettes and Severe Lung Disease – An Overview of this Unforeseen Epidemic
In early August 2019, the US Centers for Disease Control and Prevention (CDC) issued a Clinician Outreach and Communication Activity urging clinicians to report possible cases of unexplained vaping-associated pulmonary illness to their state/local health departments.
Impaired Risk Review: The Dangers Of Bipolar Disorder
One of the conditions met with a lot of confusion by brokers and agents in trying to assess where it falls underwriting-wise is bipolar disorder. Those with the disorder often represent it as if it were a minor inconvenience, and oftentimes any period of remission is met with a request for a standard or preferred issue.
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.
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.