Trick or Treat: How Smarter Segmentation and Data Use Can Help Insurers Win Policyholders and Avoid Ghoulish Risks
For some, there’s no spookier scenario than blood work and cumbersome forms to obtain insurance coverage. But as Neil Parkin of RGA South Africa explains, emerging risk segmentation techniques, combined with smarter use of data, could help ease these fears.
E-Cigarettes and Severe Lung Disease – An Overview of this Unforeseen Epidemic
In early August 2019, the US Centers for Disease Control and Prevention (CDC) issued a Clinician Outreach and Communication Activity urging clinicians to report possible cases of unexplained vaping-associated pulmonary illness to their state/local health departments.
Impaired Risk Review: The Dangers Of Bipolar Disorder
One of the conditions met with a lot of confusion by brokers and agents in trying to assess where it falls underwriting-wise is bipolar disorder. Those with the disorder often represent it as if it were a minor inconvenience, and oftentimes any period of remission is met with a request for a standard or preferred issue.
John Hancock Announces Life Insurance, Health Management Program For Diabetics
John Hancock announced John Hancock Aspire with Vitality, the first of its kind life insurance designed specifically for Americans living with diabetes, in collaboration with Verily, an Alphabet company, and Onduo.
Underwriting Vaping-Related Lung Injury: Five Questions with RGA’s Dr. Dave Rengachary
The potential health risks of vaping – the use of e-cigarettes to deliver nicotine or cannabinoids as a vapor instead of smoke – are now capturing headlines for an alarming spike in sickness. RGA’s Dr. Dave Rengachary, Senior Vice President and Chief Medical Director, U.S. Mortality Markets, briefly discusses what is known, and not known.
Get a first-person view of the unfolding opioid epidemic from a physician who lived it. Dr. Elyssa Del Valle recounts her experiences attempting to treat pain, while preventing addiction, and draws lessons for insurers.
Why the Insurance Tech Industry Needs to Lead the Way on Privacy
Now, there’s a movement in the insurance industry to leverage new forms of surveillance to assess risk during the underwriting process of life insurance policies (the process of assessing a potential customer’s risk).
Have you noticed that the word invasive is being bandied about more and more often in underwriting-related articles and commentaries published online and in various industry publications? This is mainly being done by those advocating radical changes in underwriting practices.
The purpose of this paper is to discuss the insurability implications of low normal/ below normal ALT in the elderly… in the hope that insurers will consider adding appropriate guidelines for this finding at older ages.