Transforming Life Underwriting

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.

The Increased Insurability of Regular Marijuana Users

Until recently, nearly all life insurers’ underwriting guidelines pegged cannabis user insurability akin to that of tobacco cigarette smokers. Not any longer.

Ovarian Tumors of Low Malignant Potential

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.

How to Improve Your Clients’ Life Underwriting Odds

The best in the business often employ a "pre-underwriting" client screening.

Impaired Risk Review: Gestational Diabetes

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.

The Truth about Underwriting (Slides)

These are the slides from Hank’s September presentation to agents and brokers in Milwaukee.

Mature Ages and Preferred Underwriting

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.

ReFlections Underwriting Newsletter September 2016

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.

Mortality Trends with Alzheimer’s Disease (Slides)

Slides from Dr. Brian Ivanovic’s presentation at the SOA Underwriting Issues & Innovations Seminar, Aug 1-2, 2016 in Chicago have been posted.

Predictive Modeling Case Study – Life Insurance Underwriting

Vince Granieri, FSA, MAAA, EA from Predictive Resources presents a case study of applying predictive analytics to a classical actuarial problem: life insurance underwriting.

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