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

Simplified Underwriting – From A Behavioral Lens

Fri, 04/16/2021

Behavioral Economics may help find a balance between simplification of the underwriting process and the mitigation of risk.

Link
Simplified Underwriting – From A Behavioral Lens
Life
simplified underwriting
behavioral economics
Risk Management (General)

Automation in Life Insurance Underwriting

Fri, 04/16/2021

Underwriting engines have been around for over 20 years. Initially they were used in head offices, processing application form information keyed in by clerical staff, and avoiding the need for (expensive) underwriters spending time on the more straightforward cases.

Link
Automation in Life Insurance Underwriting
Life
automated underwriting

Comprehensive Analysis: The Impact of a Positive SARS-CoV-2 Test on Relative Mortality

Fri, 04/16/2021

Quest continues to monitor COVID-19 and contribute to the scientific community’s understanding of this novel disease.
 

Link
Comprehensive Analysis: The Impact of a Positive SARS-CoV-2 Test on Relative Mo…
Life
Underwriting
Insurance Medicine
COVID-19

Substance Use: All or Nothing?

Fri, 04/16/2021

Many insurers currently look at substance use through a binary 'yes/no' lens
 

Link
Substance Use: All or Nothing?
Life
Underwriting
alcohol use
smoking

The Importance of Leveraging Outside Perspectives in Life Underwriting

Fri, 04/16/2021

Dr. Tom Fletcher, VP, Data Analytics, North America Life, discusses the benefits of multidisciplinary teams.

Link
The Importance of Leveraging Outside Perspectives in Life Underwriting
Life
Underwriting

On the Trail of Long COVID

Fri, 04/16/2021

While clinicians have a better understanding of COVID‑19 disease, science is still struggling to make sense of its long-lasting symptoms, known as Long COVID, and what “long haulers” have in common.
 

Link
On the Trail of Long COVID
Life
Underwriting
COVID-19
Insurance Medicine

registration

What Record Mortality Rates Mean For The Life Insurance Industry

Fri, 04/16/2021

The U.S. hit a sad record in 2020, with deaths reaching more than 3 million for the first time.
 

Link
What Record Mortality Rates Mean For The Life Insurance Industry
Life
Underwriting
mortality
trends

The Limitations Of Hemoglobin A1c

Fri, 04/16/2021

When assessing glycemic control in the majority of our applicants, hemoglobin A1c is the gold standard for assessing glucose control over an intermediate period of time. 
 

Link
The Limitations Of Hemoglobin A1c
Life
Underwriting
Hemoglobin A1C
glucose

Insurers Dive Into The Digital End Of The Pool. Will It Last?

Fri, 04/16/2021

Insurers were already welcoming technology and embracing ideas such as accelerated underwriting. But things move slowly in the insurance world. Then the COVID-19 pandemic hit and insurers no longer controlled those timelines.

Link
Insurers Dive Into The Digital End Of The Pool. Will It Last?
Life
Underwriting
big data
technology
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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