Learning to Unlearn: The Power of Dynamic Requirements Gathering
Consider the standard “AA” or age and amounts table. Lockdowns and stay-at-home measures are making collecting fluids and conducting parameds less feasible, yet underwriters still base the decision to order evidence on an age and policy face amounts table that has not changed substantially in decades. The result? Insurers often order evidence unnecessarily or waive needed requirement.
Medical Underwriting: The Times They Are A-Changin’
It is a long way from Bob Dylan’s realistic prophecy of what was happening and what was to come back in 1964 when he wrote the song. No one can disagree with the state of the world protests and the COVID pandemic that the times certainly are a-changin’. This is also the phenomenon happening in underwriting and risk selection, and we have to be prepared to meet the changes to insure a positive outcome no matter our underlying feeling about what those changes are.
Alzheimer’s Disease: Epidemiology, Risks, and Testing
Could air pollution contribute to the risk of developing Alzheimer’s disease? Can mental stimulation and social connection protect against the cognitive decline? RGA's Hilary Henly explores lifestyle and environmental risk factors, explores genetic insights and testing advances and more.
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.