E-cigarette use has become a hot topic in our profession as we grapple with how to underwrite users.
Hank George, FALU, CLU, FLMI
Hank's 3rd NT-proBNP research paper is now available. It covers the world literature on this remarkable test from 2009 to early 2014.
Prior papers can be found here:
The prevailing mantra of senior management regarding underwriting and most other operational functions is "faster, cheaper, better."
The success of simplified life products in the marketplace will be greatly impacted by how the premium rates match up against fully underwritten products.
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