Electronic Cigarettes and Underwriting

E-cigarette use has become a hot topic in our profession as we grapple with how to underwrite users.

Suicide: Global Insights and Insurance Analysis (RGA)

Currently, suicide stands as the 13th leading cause of death worldwide, responsible for nearly 1 million fatalities annually. RGA’s Global Research and Development team’s analysis of suicide rates before and after the 2008 financial crisis uses population data from Canada, Australia, the UK and the U.S., as well as insured data from RGA’s extensive database.

This paper presents the results of the research, as well as information about treatment of suicide claims in these markets.

A New Overview of Neurology, Epilepsy and Multiple Sclerosis (SCOR Global Life)

In 2013, an innovative neurology is emerging which is overcoming all kinds of hurdles: genetics, biotechnology, medical imaging, neurosurgery, the pharmaceutical industry… fundamental and clinical research are uniting so that at last we can understand these diseases, treat them and hopefully soon cure them.

The Evolution of Reinsurance (Munich RE)

Disasters like the disappearance of Malaysia Flight 370 and natural catastrophes such as Hurricane Katrina emphasize the value of reinsurance. These events resulted in large exposures, with direct writers resorting to reinsurance to spread the risk. That is how reinsurance started, as a risk management tool. Over the years, it has evolved, offering numerous benefits for insurance companies, including access to information, relationships, and expertise that can yield greater benefits in the claim adjudication process.

New Insights into SLE (Systemic Lupus Erythematosus)

Lupus is a disease caused by a disorder of the immune system. Its pathophysiological mechanisms, which include genetic, immunological and environmental factors, remain poorly understood.

On The Third Hand: Kidneys

Kidney transplant specialists have complained in the American Journal of Transplantation that people who donate kidneys to others end up facing trouble getting life insurance and often pay higher rates for life coverage.

What Digitalization Means for Life Insurers

Digitalization and the emergence of the digital enterprise are unfolding as some of the greatest disruptions of all industries, including insurance.

Direct-to-Consumer Gene Testing in an Australian Context (Gen Re)

We review the developments in genomic medicine and potential impacts on the life insurance industry’s right to underwrite.

Depressed Men With Prostate Cancer Fare Worse

Depressed men with a diagnosis of intermediate- or high-risk prostate cancer have worse overall outcomes, according to a study published online July 7 in the Journal of Clinical Oncology.

MIB Life Index Reports U.S. Life Insurance Activity Flat in June

U.S. application activity for individually underwritten life insurance was flat at -0.3% in June, year-over-year, all ages combined, according to the MIB Life Index.

Life Underwriting in the 21st Century

The tools for determining life insurance risk need to be less annoying. They also need to be more useful.

Underwriting and Older Age Applicants: Physical Functioning and Frailty

A 75 year-old man is applying for $2,000,000 of life insurance coverage. His cognitive testing results and lab work are considered acceptable. Should he qualify for coverage? What is known about his physical functioning capacity, and what should you know?

The Impact of Driver Distraction on US Motor Vehicle Mortality (RGA)

It is estimated that nine out of 10 motor vehicle accidents are due to driver error, and nearly 80% of all crashes are caused by driver inattention. While there are many sources of driver distraction, technological distractions may be more cognitively engaging and thus more dangerous. To better understand the mortality risk posed by distracted driving and the possible impact on the insurance industry, RGA studied this area in three ways:

- Analyzed fatal accident data from the U.S. National Highway Traffic Safety Administration (NHTSA)

- Compared mortality experience based on distraction-related citations on Motor Vehicle Records (MVR)

- Surveyed nearly 100 insurance underwriting professionals on current practices for underwriting distracted-driving infractions

Big Data Applications in the Life Insurance Industry (Slides)

Slides from a presentation covering the use of predictive analytics in life insurance have been posted by the Society Of Actuaries at their Asia-Pacific Annual Symposium page.

Impaired Risk Review: Fibromyalgia

Fibromyalgia is a tough diagnosis even for the experienced physician. A disorder of musculoskeletal pain throughout the body that is not explained by another systemic or rheumatologic disorder, its discomfort must persist at least three months.

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