Articles

Context: The #1 Consideration in Underwriting

Hank George, FALU, CLU, FLMI
March 1, 2010

 

If I were responsible for training new underwriters, the most important concept I would emphasize to them – again and again, until it was uppermost in their mind every time they looked at a case – is CONTEXT.

The Life Underwriting Metamorphosis

Hank's article on how U.S. life underwriting is transforming appeared in the February, 2010 issue of LOMA's Resource magazine. We hope you will find it interesting.

PACK YEARS (PY) An (Easy) Enhancement of Cigarette Use Underwriting

Hank's new article on the value of using 'pack-years' in how we underwriting smokers is now posted at http://cholhua.org/guestwriterspublic.html the website of the Chicago Home Office Life and Health

AHOU Today...and Tomorrow

Hank George, FALU, CLU, FLMI
On The Risk • Vol.24 N.4 2008

 

Executive Summary

This essay is one underwriter’s observations regarding aspects of the Association of Home Office Underwriters (AHOU) which may be deemed worthy of rethinking and, if so, perhaps modifying on some basis, now or in the future. A wide range of topics is discussed, with the sole purpose being to offer up thoughts for consideration by AHOU members. The author hopes what is said here will be received in the spirit intended.

Underwriting Engines

Hank George, FALU, CLU, FLMI

 

Just a year ago, one would have had comparatively little incentive to write this commentary…which is perhaps the best way of saying that our underwriting environment is now changing dramatically due to the confluence of a number of factors.

“Faster, cheaper, better” has been the mantra of life insurer senior management for years now where risk appraisal in concerned. This has propelled teleunderwriting into the forefront as our paradigm of choice and also fueled the embrace of rapid-acquisition assets like Rx profiles and MVRs in America.

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