Data is Wearable? An Early Look at Wearables for Life and 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.

Marijuana - An Underwriting Perspective

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

Ebola - Underwriting and Claims Considerations

Ebola virus disease (EVD), Ebola haemorrhagic fever (EHF) or simply Ebola as we have come to know it is a disease of humans and other primates caused by ebolaviruses.

Why Surgery Isn't Always a Silver Bullet for Obesity

Obesity is both preventable and reversible. But for those whose weight has spiralled out of control into severe obesity, controlling it and losing it through diet and exercise alone often proves ineffective.

Report on Life and Annuity Living Benefit Riders: Considerations for Insurers and Reinsurers

The Reinsurance Section, Product Development Section and the Committee on Life Insurance Research announce the release of a new report that investigates life and annuity living benefit riders and their implications from both a direct writer and a reinsurer perspective

Risk Insights Vol 19 No 2 (Gen Re)

Articles include:

- Appealing to Millennials - Think Smart, Not Hard
- Get Insured? Generation Y Asks "Why?"
- Appetite for Life Insurance - A Survey of UK Millennials

Emerging Topic: Predictive Analytics (SOA)

Big data is an often talked about topic, which is also referred to as predictive analytics. Actuaries have a unique skillset to understand and harness the complexities of data and the insights that can be gained from predictive models.

Concerns Rise Over MERS

By June 11, 2015, nine deaths were attributed to Middle East Respiratory Syndrome (MERS) in South Korea, where 130 cases had been confirmed. It is the largest outbreak of the viral disease recorded outside the Arabian Peninsula so far.

The New Face Of Life Settlements

At first blush, there was little to celebrate over the latest data on life settlement transactions.

MIB Life Index Reports U.S. Life Insurance Activity up +2.7% in May

U.S. application activity for individually underwritten life insurance was up +2.7% in May, year-over-year, all ages combined according to the MIB Life Index.

Preferred Risk Criteria and Values: Can We Move from Good to Better?

With decades of underwriting experience to research, the author reviews some of the criteria commonly used to try to answer the question: “We have done well in the past, but could the industry use its criteria to make risk selection more effective?”

Why Life Insurers are Divided on Marijuana Use

Despite a growing push for legalization at both the state and federal levels, the nation remains divided on marijuana use. The mixed opinions are reflected in how insurers classify pot.

Insurers Get the Measure of Wearable Tech

Ever considered wearing clothing that monitors your heart rate and helps reduce stress? It’s not so far-fetched - something similar is already patented. Along with telematics, “wearables” like this belong to the fast-expanding group of Internet-connected tools known collectively as Usage Based Devices (USB).

Impaired Risk Review: The Appeal

It certainly isn’t an uncommon occurrence. An offer on a submitted case comes back worse than you were expecting. Or worse than you hoped. Or, heaven forbid, as a decline. While you know not every case comes back with a positive outcome, you’ve reviewed the particulars and feel a better offer could still be placed. What’s your next option?

Five Underwriting Trends That Boost Performance

Forward-looking insurers are refreshing their underwriting and pricing operations to increase profitability and generate business value. Learn more to follow their lead.

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