Featured Article

Avoiding Early Cancer Claims Part 4 (Slides)

Tue, 10/31/2017

This the fourth and final set of slides from Hank’s lectures on Avoiding Early Cancer Claims (October, 2016).

Presentation #1 can be found here: http://insureintell.com/avoiding-early-cancer-claims-part-1
Presentation #2 can be found here: http://insureintell.com/avoiding-early-cancer-claims-part-2-slides
Presentation #3 can be found here: http://insureintell.com/avoiding-early-cancer-claims-part-3-slides

Continue..

Underwriting

cancer

Claims

News

Citizen AI in Life Insurance

Mon, 06/18/2018

Not all that long ago, the most relevant question in the world of artificial intelligence (AI) was if this technology would make a significant impact on society.

Link

Citizen AI in Life Insurance

Life

life insurance

technology

artificial intelligence

Opioids and Life Insurance: Risk of Abuse or Abuse of Risk (Slides)

Mon, 06/18/2018

Slides from this presentation, given at the 2018 ACSW Spring Meeting, have been posted at the Actuaries’ Club of the Southwest website.

Link

Opioids and Life Insurance: Risk of Abuse or Abuse of Risk (Slides)

Hancock will Give Customers Discounts for Meditating 10 Minutes a Day

Mon, 06/18/2018

For a few years now, John Hancock has offered its life insurance policyholders discounts on their premiums for visiting the doctor, working out, and buying healthy food at places like Walmart. Today, the Boston-based insurer is adding sleeping to that list. And meditating.

Link

Hancock will Give Customers Discounts for Meditating 10 Minutes a Day

How Will Genomics Impact Medical Underwriting?

Mon, 06/18/2018

Progress in genomics is creating opportunities and threats for medical underwriting in both health and life insurance.

Link

How Will Genomics Impact Medical Underwriting?

Underwriting Automation: Why Expectations Might Not Match Reality

Mon, 06/18/2018

The underwriting automation engine has undoubtedly become a popular approach for many insurance organizations seeking to increase efficiencies and augment their workforces. While implementing this technology is likely vital to remain competitive, there is often a disconnect between the expectations and the reality of automation’s impact on underwriting operations.

Link

Underwriting Automation: Why Expectations Might Not Match Reality

Life

life insurance

automated underwriting

accelerated underwriting

Disruptive Innovation Examples in the Insurance Industry

Tue, 06/05/2018

Gambling and life insurance – a surprising yet oddly appropriate pair. That’s what I thought as I walked through The Bellagio doors on a sunny, April day in Las Vegas. I wasn’t there to play games of chance though – I was at the 2016 LIMRA Life Insurance Conference to learn about disruptive innovation examples in insurance

Link

Disruptive Innovation Examples in the Insurance Industry

Life

life insurance

technology

continuous underwriting

The Rise in Sugar Consumption in the U.S. – and the Obesity Equation

Tue, 06/05/2018

For years, sweets were marketed as innocuous treats for kids whose only drawback was cavities if you did not brush your teeth properly.

Link

The Rise in Sugar Consumption in the U.S. – and the Obesity Equation

Obesity

coronary heart disease

Insurance Medicine

Death of Despair: As Premature Deaths Rise, Insurers may want to Evaluate their Pricing Strategy

Tue, 06/05/2018

“Deaths of Despair,” an article recently appearing in the Wall Street Journal (WSJ), should have red flags flying throughout the underwriting community.

Link

Death of Despair: As Premature Deaths Rise, Insurers may want to Evaluate their…

Players, Principles and Paradigm Busters (LOMA Resource)

Tue, 06/05/2018

Insurance is a complex business comprised of lots of moving pieces. Here’s a peek at who wants in the game, what the rules are, who wants to change them—and more.

Link

Players, Principles and Paradigm Busters (LOMA Resource)

Articles

Melanoma Underwriting

Fri, 05/18/2018

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

Continue..

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.

Continue..

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.