Transforming Life Underwriting

In today’s competitive business climate, effectively underwriting your life insurance products is more important than ever. To do just that, you must employ leading-edge risk appraisal tools and approaches. Here are some good ideas.

The Increased Insurability of Regular Marijuana Users

Until recently, nearly all life insurers’ underwriting guidelines pegged cannabis user insurability akin to that of tobacco cigarette smokers. Not any longer.

Ovarian Tumors of Low Malignant Potential

Ovarian tumors of low malignant potential can be a challenge in daily underwriting, as even clinicians are not in full agreement about the correct approach. This article sheds light on this tumor and highlights some of the key favorable factors when underwriting this condition.

How to Improve Your Clients’ Life Underwriting Odds

The best in the business often employ a "pre-underwriting" client screening.

The 25-Year Journey of Automated Life Underwriting

Automated underwriting has come a long way in the last 25 years. It may be surprising that there was automated underwriting 25 years ago. At that time, it was called ‘expert’ underwriting. The idea was right, but the timing was wrong.

Breast Cancer in Women (SCOR inFORM)

Breast cancer in women is a real public health issue. All doctors, whatever their specialty, are confronted to some extent with patients with this type of tumor. It is the second most common type of cancer in the world. Breast cancer is responsible for more than 520,000 deaths each year, and is the fifth most frequent cause of death in the world.

Life Insurance Transformation: Four Powerful Examples

The digital economy is rapidly changing the way life insurers market and sell their products and services. Already some companies are successfully adapting to the new demands of the marketplace. These are the Digital Transformers. They are moving quickly to find new customers, deliver new products and open new markets.

Transformation Themes in Life Insurance (Video)

Which leading industry disruptors should life and annuity carriers be considering?

Impaired Risk Review: Gestational Diabetes

Gestational diabetes is a term used to describe diabetes or abnormal glucose tolerance discovered during pregnancy. While many women enter pregnancy with a diagnosis of diabetes (whether on medication or not), gestational diabetes is used to describe diabetes that is diagnosed in the second half of pregnancy.

How 3D Printing Is Changing Medical Treatment

It’s not so surprising that solid objects made from printed plastic or titanium, such as replacement hip joints or dental implants, can be made by 3D printers. More remarkable is that new human tissue might be printed from bio-ink comprising of droplets of living cells, stem cells and other biomaterials to replace or support an existing biological structure - a process known as regenerative medicine.

The Truth about Underwriting (Slides)

These are the slides from Hank’s September presentation to agents and brokers in Milwaukee.

Mature Ages and Preferred Underwriting

Preferred underwriting is simply the aggregation of risk into groupings, according to a set of predetermined criteria representing a certain level of risk. Historically, the insurance industry simply classified individuals as either standard or substandard risks.

John Hancock Looks to Expand Reach of Vitality

A year after launching John Hancock Vitality, the life insurance giant has begun expanding the reach of its connected-health product to further engage with customers.

ReFlections Underwriting Newsletter September 2016

This edition of ReFlections offers essential reading on two very timely topics - insurance considerations given the changing status of HIV/AIDS and the use of patient-generated health data. This issue also describes new investigations supported by the Longer Life Foundation, RGA's joint foundation with Washington University School of Medicine in St. Louis.

Mortality Trends with Alzheimer’s Disease (Slides)

Slides from Dr. Brian Ivanovic’s presentation at the SOA Underwriting Issues & Innovations Seminar, Aug 1-2, 2016 in Chicago have been posted.

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