In today’s competitive business climate, effectively underwriting your life insurance products is more important than ever. To do just that, you must employ leading-edge risk appraisal tools and approaches. Here are some good ideas.
Ovarian tumors of low malignant potential can be a challenge in daily underwriting, as even clinicians are not in full agreement about the correct approach. This article sheds light on this tumor and highlights some of the key favorable factors when underwriting this condition.
Gestational diabetes is a term used to describe diabetes or abnormal glucose tolerance discovered during pregnancy. While many women enter pregnancy with a diagnosis of diabetes (whether on medication or not), gestational diabetes is used to describe diabetes that is diagnosed in the second half of pregnancy.
Preferred underwriting is simply the aggregation of risk into groupings, according to a set of predetermined criteria representing a certain level of risk. Historically, the insurance industry simply classified individuals as either standard or substandard risks.
This edition of ReFlections offers essential reading on two very timely topics - insurance considerations given the changing status of HIV/AIDS and the use of patient-generated health data. This issue also describes new investigations supported by the Longer Life Foundation, RGA's joint foundation with Washington University School of Medicine in St. Louis.