Featured Article

Webinar Recording: Fair vs Unfair Discrimination in Underwriting

Tue, 06/25/2019
Here is the recording and powerpoint file of Hank's webinar on Fair vs Unfair Underwriting presented on June 18, 2019.

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Life
life insurance
Underwriting
big data
automated underwriting
regulatory

News

Increasing Insurability Through Accelerated Underwriting in the Era of Covid

Wed, 11/18/2020

Prior to COVID-19, 46% of American adults did not own life insurance and of those who did, many were underinsured, according to research by the Life Insurance and Marketing Research Association.
 

Link
Increasing Insurability Through Accelerated Underwriting in the Era of Covid
Life
Underwriting
accelerated underwriting
COVID-19

The Latest On COVID-19 And Impaired Risk Underwriting

Wed, 11/18/2020

Less than a year ago it would have been excessive, if not redundant, to issue a 90-day impaired risk underwriting update. Not so in 2020.
 

Link
The Latest On COVID-19 And Impaired Risk Underwriting
Life
Underwriting
impaired risk
COVID-19

Cultivating an Underwriter’s Competency: Developing Critical Thinking

Wed, 11/18/2020

Part III in a series of articles on developing underwriting thought processes, this third installment focuses on ways to develop critical thinking skills.

Link
Cultivating an Underwriter’s Competency: Developing Critical Thinking
Life
Underwriting
critical thinking
Risk Management (General)

Clinical Utility of Polygenic Risk Scores

Wed, 11/18/2020

The practice of preventive medicine requires estimating the risks of developing chronic diseases so as to enable risk-mitigating measures such as diet, lifestyle and medical interventions to be implemented. 

Link
Clinical Utility of Polygenic Risk Scores
Life
Underwriting
Insurance Medicine
polygenic risk scores

Distribution And Accelerated Underwriting: What Happens When The Dog Catches The Car?

Wed, 11/18/2020

The industry has been talking about the “future of UW” for decades, but now COVID-19 has “accelerated the inevitable” and the future is now.
 

Link
Distribution And Accelerated Underwriting: What Happens When The Dog Catches Th…
Life
Underwriting
accelerated underwriting
COVID-19

Poor Air Quality – An Emerging Risk Factor for Life Insurance Underwriting and Pricing

Wed, 11/18/2020

Dr. Achim Regenauer, Chief Medical Officer, discusses a newly published study that links air pollution to the occurrence of common neurodegenerative diseases, namely Alzheimer’s and Parkinson’s disease, the two fastest-growing neurological conditions in the world.
 

Link
Poor Air Quality – An Emerging Risk Factor for Life Insurance Underwriting and …
Life
Underwriting
Alzheimer disease
Parkinson disease

registration

The Alphabet Soup Of Underwriting—Understanding Liver Disease And Kidney Disease

Wed, 11/18/2020

In my experience, two of the most challenging underwriting topics for advisors to understand are liver disease and kidney disease. 
 

Link
The Alphabet Soup Of Underwriting—Understanding Liver Disease And Kidney Disease
Life
Underwriting
liver disease
kidney disease

Sickle Cell Disease: Can New Treatments Lead to a Possible Cure?

Wed, 11/18/2020

Sickle cell anemia affects approximately 100,000 Americans and is most prevalent in African-American and Hispanic-American communities.
 

Link
Sickle Cell Disease: Can New Treatments Lead to a Possible Cure?
Insurance Medicine
Sickle Cell Disease

Impaired Risk Review: Hypertriglyceridemia

Wed, 11/18/2020

We’re used to seeing hypercholesterolemia as a known risk factor, but high triglycerides are also associated with an increased risk of cardiovascular disease.

Link
Impaired Risk Review: Hypertriglyceridemia
Life
Underwriting
impaired risk
hypertriglyceridemia
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Articles

Red Flags in Opioid Use Underwriting (Slides)

Wed, 04/24/2019

Hank's second of two lectures on opioid underwriting.

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Life
life insurance
Underwriting
opioid abuse

Underwriting Opioid Use and Abuse (Slides)

Tue, 01/08/2019

Hank's first of two lectures on opioid underwriting.

 

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Life
life insurance
Underwriting
opioid abuse

Melanoma Underwriting

Fri, 05/18/2018

Slides from Hank's lecture on state-of-the-art melanoma underwriting at the 2018 AHOU conference.

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Life
life insurance
Underwriting
melanoma

The “Invasive” Hoax

Sun, 04/01/2018

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.

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Underwriting
Life
life insurance
accelerated underwriting

Low ALT: RED FLAG in Elderly Applicants

Thu, 03/15/2018

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.

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Life
life insurance
Underwriting
ALT
X