Underwriting

Productivity Obsession in Underwriting Management: Report of an Unpublished 2016 Survey

Hank has written an extended commentary (including results of a new unpublished survey) on the implications of productivity obsession in underwriting.

Non-Natural Death Trends in the United States

While non-natural deaths have generally been decreasing worldwide, death rates from non-natural causes have been climbing in the United States. RGA offers a deeper look at U.S. non-natural mortality experience in four categories – other accidents, suicides, motor vehicle accidents, and homicides – and compares trends to experience from six developed countries.

Cancer Immunotherapy: A Rapidly Expanding Frontier

This article reviews the recent and unprecedented acceleration in the understanding of cancer pathophysiology which has led to the subsequent development of novel cancer immunotherapies. In part, this new direction in cancer treatment has been advanced by a greater understanding of individual patient genomics and has contributed to the realization of the so-called “precision medicine” era.

Coming in 2017: More Pot-Smoking Life Insurance Policyholders

Marijuana smoking has been on the rise in recent years. In the wake of the November 2016 elections, the number of users — already 25 million-strong — is likely to increase, and perhaps substantially.

Impaired Risk Review: Crediting Systems

Once upon a time, being a standard risk in the underwriting process was the best you could hope for. It meant that your health was at the top of the group of insured lives being considered and eligible for the best rate, and that you would live all the way out to the prediction of the actuarial life tables. Now, life insurers have created a whole tier of preferred and super preferred pricing that makes a standard issue almost seem like a rated policy.

How You Sleep Matters to Insurers

Both inadequate and excessive sleep have been associated with early death. We are getting a better understanding of the health consequences of low levels of physical activity combined with inadequate or excessive sleep.

NU Panelists Explore Innovations in Underwriting

What will the insurance underwriter's job look like in three or five years?

Genomics Is Changing the Rules for Underwriting Breast Cancer Patients

We have made great progress in the battle against breast cancer: improved screening and treatment have produced a 30% reduction in mortality over the last two decades. Better still, continued advances in genomics are opening entirely new possibilities that hold the promise of not only improved outcomes, but an eventual cure. For life and health insurers, it is time to reexamine how we underwrite applicants with a history of breast cancer.

Underwriting Epilepsy in Life and Disability Insurance

Most underwriters will come across clients with epilepsy. It has been well documented that people with epilepsy have a higher mortality than the normal population. This is due to a number of factors but, as has been emphasized, a certain proportion of the excess mortality is related to the comorbid conditions that often accompany the disease.

Wearable Wellness: Five Quick Takeaways from RGA’s Fitness Tracker Study

In 2016, RGA conducted an anonymous study among its employees and their friends and family to explore wearable fitness trackers’ potential application for insurance product development. The study included around 1,000 participants from 23 countries and was conducted over 12 weeks using five tracking devices.

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