Observations by Cause of Death in the Individual Life Insurance Population
An analysis of cause-specific mortality can shed light on variations in mortality patterns across sub-populations of an individual life insurance portfolio. These insights inform future mortality projections such as mortality improvement assumptions. The complex nature of mortality risk, especially for insured lives that are subject to the rigorous process of life underwriting, poses a challenge in understanding the likelihood of one cause of death over another.
Is science fiction becoming science fact? Liquid biopsies are a new class of blood- (or other bodily fluid-based) tests that can reveal direct evidence of cancer and are far less invasive than traditional biopsies. RGA's Dr. Daniel Zimmerman explores linkages between advances in genetics and this new technology. He also investigates limitations, potential mortality and morbidity impacts, and insurance implications.
Changing Views on E-Cigarettes – No Smoke Without Fire
The Centers for Disease Control and Prevention in the U.S. just announced an investigation of a multistate outbreak of e-cigarette, or vaping, product use associated lung injury (EVALI). By November there were over 1,800 confirmed and probable cases and 37 deaths.1 This opens the safety of Electronic nicotine delivery systems (ENDS) to scrutiny once more.
The Future Of Work Is Now—The Digital Life Underwriter
One of the most frequently-used phrases at business events these days is “the future of work.” It’s increasingly clear that artificial intelligence and other new technologies will bring substantial changes in work tasks and business processes. But while these changes are predicted for the future, they’re already present in many organizations for many different jobs.
Company Practice Survey of Individual Life Insurance Accelerated Underwriting
Among the areas addressed include the structure of accelerated underwriting programs, how programs are monitored, how accelerated underwritten business is performing relative to expectations and how companies are considering accelerated underwriting cohorts in the context of VM-20 assumption setting.
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.