Medical Underwriting

Medical Underwriting: The Times They Are A-Changin’

Submitted by matt on Wed, 08/12/2020

It is a long way from Bob Dylan’s realistic prophecy of what was happening and what was to come back in 1964 when he wrote the song. No one can disagree with the state of the world protests and the COVID pandemic that the times certainly are a-changin’. This is also the phenomenon happening in underwriting and risk selection, and we have to be prepared to meet the changes to insure a positive outcome no matter our underlying feeling about what those changes are.
 

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Medical Underwriting: The Times They Are A-Changin’
Medical Underwriting
technology
trends

ReFlections Medical Underwriting Newsletter Vol 35

Submitted by matt on Tue, 03/17/2015

Articles in the latest edition of RGA's ReFlections Newsletter include:

  • Trends in Respiratory Diseases
  • Biomarkers: Can They Add Value? Part 2
  • Pediatric Underwriting
  • What Does the Continuity of Care Documents Hold for Underwriters?

http://www.rgare.com/knowledgecenter/Documents/ReFlections%20Spring%2020...

biomarkers
Life
life insurance
Medical Underwriting
pediatric underwriting
respiratory disease
Underwriting

Monoclonal B-Cell Lymphocytosis (MBL)

Wed, 06/29/2011
Have you ever heard of this condition? Is it in your underwriting manual? It should be!

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MBL
Medical Underwriting
Underwriting

The Theory and Practice of Rx Profiling in Mortality And Morbidity Risk Underwriting

Wed, 09/23/2009
As mortality and morbidity underwriting undergoes a much-anticipated metamorphosis to accommodate the demands of the 21st century, the need for fast, reliable and cost-effective screening resources has come into clear focus. The purpose of this paper is to examine the extent to which Rx profiling is one of these resources. Knowing which pharmaceuticals an insurable applicant is taking has always been a key goal of medical history-taking. It is axiomatic that if we know what Rx an individual is taking, we have keen insight into his medical history. It is an a priori assumption, therefore, that Rx profiling services will serve to enrich our ability to relate pharmaceuticals to medical histories.

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Medical Underwriting
Rx profiles

Challenging Myths and Rethinking Priorities in Older Age Underwriting: An Essay

Wed, 09/23/2009
To determine insurability of applicants age 65 and over on the same basis as we do at younger ages all but guarantees a botched job. This is because factors that we know contribute to premature death in young and middle-aged adults differ dramatically from those linked to excess geriatric mortality. These examples give clear evidence of this too-often-overlooked reality.

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alcohol use
blood pressure (BP)
build
cholesterol
diabetes
frailty
Medical Underwriting
older age Rx use
older age underwriting

Serum Hyaluronic Acid (HA): A Potential Reflexive Test for Further Evaluating Individuals with Chronic Hepatitis B and C, NASH and Other Liver Pathologies

Wed, 09/23/2009
In underwriting, we are seeing an increasing number of cases of chronic hepatitis C and nonalcoholic fatty liver disease (especially nonalcoholic steatohepatitis, NASH) wherein the proposed insured has not had a sufficient clinical workup to determine if advanced liver pathology (significant fibrosis, cirrhosis) is present. This is a key determination regarding insurability and the absence of this information has forced us to take uncertain actions…certainly insuring some who are bad risks while postponing others who are insurable.

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alcohol use
hyaluronic acid (HA)
Medical Underwriting
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