Underwriting: 2015 Update from America

Hank’s update on underwriting is featured in the latest edition of ALUCA’s RiskeBusiness magazine.

http://www.aluca.com/documents/item/119 (Article begins on page 10)

RGA ReFlections Fall 2015 Issue

A redesigned ReFlections highlights insights from RGA Vice President and Medical Director Dr. Daniel D. Zimmerman into the 'new frontier' of hepatitis C. Mark Dion, RGA Vice President, Global Underwriting Strategic Innovation, explores the quantified self movement. A new column, ReCite, links to medical articles for insurance professionals, and the edition features a report on mortality and longevity research funded by The Longer Life Foundation, which is supported by RGA and Washington University School of Medicine in St. Louis.


Marijuana from an Underwriting Perspective

The debate regarding marijuana use and its legalization rages on with little hope that the smoke will clear anytime soon. Marijuana, or cannabis – its international and scientific name – is the third most popular recreational drug in America, after alcohol and nicotine-containing products. As such, it presents a multitude of underwriting challenges.


Fat, BMI and Preferred Programs: A Good Mix?

Life insurers adopted the Body Mass Index (BMI) in the 1980s to help determine an applicant’s weight class. According to the World Health Organization, an individual with a BMI of 30 or more is obese; if their BMI is over 40, the person is morbidly obese.

http://www.scor.com/images/stories/pdf/library/messengers/M3Q14_web.pdf (Article starts on page 7)

Impaired Risk Review: When You Can Not Get the Information

The last touches on wrapping up a case can be some of the most difficult ones. Most everything is in, the case is ready to be paid for, but there is underwriting information that is outstanding: a test result unaccounted for; an APS that hasn’t come in; a doctor’s office that is taking its time in getting out information that is critical. There’s got to be an easier way.


An Early Look at Wearables for Life & Living Benefits Insurance

“Wearables” are electronic devices worn on the body that generate, store and electronically forward biometric data in real time to smartphones, tablets, laptops or other electronic devices.


The Obese-Asthma Phenotype

Obesity – a well-recognized risk factor for diabetes, coronary artery disease, as well a few cancers – is also an important risk factor for asthma. It can present itself as a distinct asthma phenotype. Obese-asthmatics are likely to present with additional morbidity costs in terms of increased health care utilization, significant loss of working days and an overall poorer quality of life. This article discusses this phenotype, and explains the pathophysiological mechanism and impact of this on morbidity, disability and health care utilization in obese-asthmatic individuals.


For Life Insurance, Online Doesn’t Mean Cheaper

With Life Insurance Awareness Month well under way, it’s important for consumers to understand the effects underwriting can have on price. And it’s an area where awareness is lacking.


Modest Relation Between HbA1c, Cardiovascular Events

For patients with type 2 diabetes, hemoglobin A1c (HbA1c) is not significantly associated with cardiovascular events, regardless of clinical manifestation of vascular disease, according to a study published online Aug. 25 in Diabetes Care.


QuickStats: Age-Adjusted Death Rates for Parkinson Disease — United States, 2000–2013

The age-adjusted death rates for Parkinson disease increased for males from 8.8 per 100,000 population in 2000 to 11.0 in 2013 and for females from 3.9 in 2000 to 4.8 in 2013.


Probing the Dark Corners of Antiselection (Slides)

Hank’s presentation on antiselection at the 2015 RGA Re Fraud Forum.

RGA_HankGeorgePresentation.pdf530.23 KB

Using Behavioral Economics in Underwriting

In underwriting, the ability to obtain accurate health information from an applicant is paramount. The practice of asking people to report their health has been perfected over decades, yet under-reporting remains an issue in markets around the world. This leads us to consider: is it something about the way we ask the question?


Mature Age Underwriting: How Much?

The American population continues to age. Based on 2010 census results, there were approximately 26 million individuals between age 70 and 89, representing a little over eight percent of the population. Other sources indicate that upwards of 10,000 individuals turn 65 every day.


The Rise of Wearable Technology – What Does it Mean for the Insurance Market?

Whether it’s measuring fitness, activity, sleep or even stress levels there is a growing market for fitness wearables and sports trackers that has got our industry thinking about whether the data from these devices can be used to underwrite people; effectively rewarding the fittest, healthiest lives by reducing their premiums.

http://www.scor.com/images/stories/pdf/library/newsletter/SCORACLE_3_Jul... (Article begins on page 6)

Housecalls Underwriting Case Studies & Insights: June 2015 Issue

Cases examined include Patent Foramen Ovale and Spinal Syrinx.


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