Underwriting

HIV and Hepatitis C and B Coinfetions

Around 36 million people are living with HIV in the world today (LVWH). 5 million of them are also infected with the hepatitis C virus (HCV) and 4 million with hepatitis B virus (HBV). In both cases, HIV and the immunodeficiency it causes, accelerate the progression of hepatitis B or C, inducing increased morbidity and mortality for all three infections.

Lincoln Financial Aims To Slice Turnaround Times in Half

Seeking to appeal to Generation X and millennials who value speed and convenience, Lincoln Financial has introduced a term life policy that aims for approval in as little as 20 days. That's half the time it takes to underwrite traditional term life coverage, the company said.

Zika Virus: A Mortality Risk?

On February 1, 2016, the World Health Organization (WHO) declared Zika virus a health emergency of international concern, and a week later, the U.S. Centers for Disease Control and Prevention (CDC) elevated its response to the highest level 1. WHO estimates that 4 million people will be infected with Zika virus this year alone, and 30 countries have reported confirmed transmitted cases of Zika virus in the last 9 months, with that number increasing regularly. So what mortality risk does Zika virus carry in underwriting, and how concerned should we be?

Customers’ Pot Smoking May Not Be A Deal Breaker For Life Insurers

If you smoke marijuana and you’re shopping for life insurance, chances are you can find a company that won’t penalize you for your habit, but you may have to weed out several insurers to find the best policy.

Wrecked in a Mist of Opium – The Effects of Prescription Opioid Abuse

The English author and cultural critic Matthew Arnold described fellow poet Samuel Taylor Coleridge as a “philosopher wrecked in a mist of opium.” Using laudanum (a tincture of opium) to treat various ailments led Coleridge to lifelong addiction. Although laudanum is more closely controlled today, non-prescription use of opioid painkillers leads to addiction and remains a significant health threat.

Liver-Related Laboratory Tests: Underwriting Assessment (Slides)

Slides from Hank’s May 18 Liver Test presentation at the Rocky Mountain Society of Home Office Underwriters.

RGA ReFlections May 2016 Issue

This edition of ReFlections contains an in-depth review of the role of genetics in the rapidly changing diagnostic criteria, risk stratification, and treatment of individuals with chronic lymphocytic leukemia (CLL). RGA also discusses the relatively new but increasingly popular Cancer Reimbursement product and its design, underwriting and claims issues. ReCite, a medical literature review section, has articles of interest to both underwriters and medical directors.

LexisNexis Risk Classifier – An Effective Indicator of Mortality Risk (Munich RE)

Munich Re, US (Life) (Munich Re) assessed LexisNexis® Risk Classifier, which is a predictive modeling tool that was developed by and is proprietary to LexisNexis. LexisNexis allowed Munich Re access to the Risk Classifier in order to perform an objective review of its ability to accurately assess mortality risk using publicly available and easily obtainable non-biometric criteria.

Accelerated Underwriting and Simplified Issue | New Underwriting (Slides)

Slides from this session, presented at the 2016 SOA Life & Annuity Symposium, have been posted. See Session 47 at the 8:15-9:30 am time slot.

Underwriting Low Cholesterol

This article, originally published in On the Risk, has been made available at the Optimum Re website.

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