LOMA Resource: Technology and the Future
Top industry analysts discuss hot technology issues such as blockchain, insurtech, cybersecurity and more. These present both challenges and opportunities.
Drug Testing: How Long For A Positive Test?
Urine drug testing is a cornerstone of the overall testing in proposed insureds and yields a lot of valuable underwriting information. So how long do a lot of drugs stay in the system and at what time frame would they be likely to trigger a positive test?
Predictive Modeling – a View from New York
On 19 January 2019, the New York State Department for Financial Services (DFS) issued a circular letter concerning the use of external consumer data and information sources for life insurance underwriting. This followed a prior notice sent to insurers that the Department was investigating the use of such data for potentially unfair or discriminatory practices.
Genomic Medicine: The Time is Now
The life industry finds itself at an inflection point as insurers come under growing pressure to position themselves to embrace genomics and genetic testing. Best's Review explores the underwriting implications of rapid advances in genomics, including research by RGA and King’s College London into the risk prediction potential of polygenic risk scores for incidence and death from breast cancer and coronary artery disease.
Electronic Health Records – Are We Now In Prime Time?
When it comes to Electronic Health Records (EHRs), for some time now life insurers have wondered when or if EHRs would become a reality. This is no longer in question, and RGA's Sue Wehrman now explores the question of how the industry will use this new technology.
Lifestyle-Related Behaviors and Mortality: A Comparison of Physical Inactivity and Smoking
Rates of diabetes, heart disease, respiratory disorders, certain cancers and other non-communicable diseases are increasing globally, and a growing body of evidence links lifestyle behaviors, such as physical inactivity, poor nutrition and smoking, to the increase.
Why the Future of Life Insurance May Depend on your Online Presence
As the use of algorithms and public data to inform insurance premiums becomes more common, we’ll need to decide what is and isn’t okay
Alzheimer’s - Is Early Detection Becoming a Reality?
For a long time, Alzheimer’s could only be definitively diagnosed after a patient’s death based on neuropathological findings in the brain. Positron emission tomography (PET) scanning and spinal fluid technologies can improve on purely clinical diagnosis, but their cost and a lack of any cure means they are hardly used.
How to Teach a Machine: Artificial Intelligence and Insurance
Can you teach a machine to learn? The future of insurance – and many other industries – may rest upon the answer. RGA's Jeff Heaton discusses the promise of AI...and the limitations.
LOMA Resource: Looking Ahead - Our Annual Industry Forecast
Resource asked insurance industry leaders to share their thoughts on what 2019 holds for sales and profitability, information technology, customer service and human capital. We also asked them to discuss the fraud risks and business disruptors they will face.