Underwriting

The Future of Underwriting: A Reinsurer Partner’s View

This interview with Joe Gilmour appears on page 26 in the latest issue of the SOA’s Product Matters newsletter. Also featured in this issue: Underwriting Issues and Innovation (page 17).

Weed Users Avoid Smoker Penalties at 29% of U.S. Life Insurers

Marijuana users, who can now buy weed without fear of arrest in some U.S. states, can also get life insurance without facing a smoker penalty -- if they shop carefully.

Avoiding Material Misrepresentation and Fraud in Life Insurance

We traveled a great deal this past year, visiting clients, potential clients and attending industry meetings. Along the way, the topic of fraud in the Life insurance industry came up quite a bit.

Lincoln Financial Taps Third-Party Data for Faster Underwriting

Many prospects for life insurance are turned off by the perception that the application process is long and invasive. Lincoln Financial Group is using big data to make it a little easier.

Impaired Risk Review: Stroke

Although better surveillance and control of high blood pressure has led to a decreased incidence of stroke, it remains the third leading cause of death in the United States.

Data is Wearable? An Early Look at Wearables for Life and Living Benefits Insurance

“Wearables” are electronic devices worn on the body that generate, store and electronically forward biometric data in real time to smartphones, tablets, laptops or other electronic devices.

Marijuana - An Underwriting Perspective

The debate regarding marijuana use and its legalization rages on with little hope that the smoke will clear any time soon. Marijuana, or cannabis – its internat ional and scientific name – is the third most popular recreational drug in America, after alcohol and nicotine­containing products. As such, it presents a multitude of underwriting challenges.

Ebola - Underwriting and Claims Considerations

Ebola virus disease (EVD), Ebola haemorrhagic fever (EHF) or simply Ebola as we have come to know it is a disease of humans and other primates caused by ebolaviruses.

Why Surgery Isn't Always a Silver Bullet for Obesity

Obesity is both preventable and reversible. But for those whose weight has spiralled out of control into severe obesity, controlling it and losing it through diet and exercise alone often proves ineffective.

Preferred Risk Criteria and Values: Can We Move from Good to Better?

With decades of underwriting experience to research, the author reviews some of the criteria commonly used to try to answer the question: “We have done well in the past, but could the industry use its criteria to make risk selection more effective?”

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