Risk Selection: Considering New Mortality Markers

While life insurers continue to reflect mortality improvements in their pricing, it is uncertain how much of the improvements can be attributed to better underwriting information and processes and how much to general mortality improvements in the insured population. Dave Dorans, Vice President of Mortality Solutions, discusses life insurance underwriting with Tia Goss Sawhney, owner of TSStrategic Consulting, LLC. Tia, a health actuary focusing on public health, believes that life insurers still have much room to improve mortality risk assessment via the underwriting process – from the design of health history questions to the use of technology to improve the process and to capture data for experience analytics.

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