The HIV/AIDS Epidemic – What’s New (Part I)
Survival for infected individuals continues to improve as newer, less toxic drugs and simpler one-tablet daily regimens are increasingly available. RGA's Hilary Henly explores what underwriters need to know about HIV in part one of a two part series.
Cannabody: The Insurer's Quick Reference Guide to Recreational Cannabis Use
Curious about the effects of recreational cannabis use on the human body? RGA South Africa produced a quick reference guide for insurers.
Wired to Underwrite: Artificial Intelligence and Underwriting
Can machines learn? RGA Senior Data Scientist Dr. Dihui Lai thinks so, and he should know. Lai recently unveiled an RGA-developed “AI-Augmented” underwriting system at the Society of Actuaries Predictive Analytics Symposium and took a few moments to explain the results.
What is the Future of Financial Underwriting in an Accelerating Market?
Are you ready to purchase a policy with a fingerprint? Apply through a smart television? Walk through a check-out scanner and walk out qualified for coverage?
Mortality Rate Improvements – End of an Era, For Now…
Improvements in mortality rates characterized the twentieth century – the trend of living ever longer and healthier lives seemed assured. Recent mortality rates, however, point to a change. The positive trend has slowed. But why? Are all ages affected? And surely medical advances will anyway have us back on track asap?
Look Beyond the Medical Treatments (SCORviews)
If mortality improvement is a three-legged stool, improved treatment of disease is only one leg; the other two legs are prevention and early detection
Stroke in Younger Adults - Have Improvements Reached Their Limit?
Age remains the most consistent risk factor for ischaemic stroke. Surprisingly then an estimated 10% of diagnoses are now seen in people below the age of 50.
Genetic Testing – What Does the Crystal Ball Really Reveal?
Knowing the basics of genetic testing and its underlying science is the first step in understanding genetic testing’s potential impact on insurance. Genetic testing is best defined as the analysis of DNA, RNA, chromosomes, proteins and metabolites in relation to heritable risks, traits, and conditions.
Impaired Lives May Be Hot: RGA
The world's biggest life and health insurers may be putting more energy into developing new underwriting strategies for older, sicker people than for younger, healthier people.