How Life Insurers can sell you a Policy without a Doctor’s Visit
We've all seen the advertisements for life insurance policies with "no medical exam necessary" on TV and the internet. Just answer a few basic questions online, provide access to your credit report and other personal information, and – bingo – you've bought yourself a $500,000 life insurance policy.
Impaired Risk Review: Insurance with HIV
From the initial recognition of HIV virus in 1981, HIV infection has turned from an almost universally fatal infection, to one that could be managed with medication to extend life, to a disease which can be controlled with newer and revolutionary medication therapies. While many companies continue to see the HIV virus as uninsurable, that corner has also been turned, and life insurance in selected cases of treated HIV infection is now possible. Even though the conditions that must be met are numerous and the criteria stringent, applicants with HIV now have the possibility of acceptable insurance offers.
What Drives People to Self-Harm and What Does it Mean for Insurers?
When thinking about self-harm, we most associate it with youth. More than half of 11-14 year olds and eight out of ten 18-21 year olds have self-harmed - or know someone who has - according to the results of a UK poll undertaken during 2015.
Underwriting Presentations from the 2017 SEHOUA Meeting
Slides from presentations delivered at the 2017 Southeastern Home Office Underwriters Association have been posted at the SEHOUA site. Presentations include:
- Analytics – Mind versus Matter
- Pharmacogenetics: Relevant or Not?
- Give Credit Where Credit is Due – The Value of Credit in Life Underwriting
- The Underwriting Profession at Risk: 4 Steps to Manage Career Morbidity
- Underwriting the High Mileage Applicant
- The Meaning of Underwriting
- Life after Bariatric Surgery
- Mental Illness Update
How your Selfie could affect your Life Insurance
A selfie reveals more than whether it's a good hair day. Facial lines and contours, droops and dark spots could indicate how well you're aging, and, when paired with other data, could someday help determine whether you qualify for life insurance.
Insuring HIV - Q&A with Dr. Dan Zimmerman
Recently, RGA’s Dr. Dan Zimmerman spoke to the Association of Home Office Underwriters (AHOU) about the history of HIV/AIDS and insurance, and how risk modeling can reasonably conclude that some individuals with HIV can now be candidates for life insurance coverage. We sat down with Dr. Zimmerman to discuss his presentation and the paradigm shift in the availability of life insurance for people with HIV.
Mystery and Insurability: Unraveling the Challenge of Multiple Sclerosis
It may become even more challenging to underwrite applicants with Multiple Sclerosis (MS), and that is positive news for patients. Medical advances are outpacing mortality data so swiftly that, within the decade, it could be possible for the majority of applicants to be prescribed medications for which there are currently no long-term experience studies.
Life Insurance Challenges Posed by Marijuana and E-cigarettes
An increasingly discussed area in life insurance circles is the manner in which marijuana and e-cigarettes are addressed by life insurance carriers.
Insurers Shouldn’t Stigmatize Epilepsy (Gen Re)
Epilepsy is a neurological disorder that can affect people of all ages. According to the WHO, some 50 million people around the world have epilepsy and an estimated 2.4 million new diagnoses are made each year. The condition has significant implications for life and health insurance because it is associated with loss of productivity, increased healthcare needs and even premature death.