New and Enhanced Underwriting Tools Impacting Your Cases Today
Several underwriting tools have been adopted by carriers to issue coverage faster, in many cases without the need for insurance exams or requirements such as a traditional APS. Some of these tools are new, while others have been in use previously, but have recently been enhanced to streamline the underwriting process.
Cannabis - A Complex and Rapidly Evolving Landscape
In ReFlections, RGA's Dr. Georgiana Willwerth-Pascutiu provides a scientific perspective on one of the most controversial and complex plants in the world, including its derivatives, its prevalence of use, and insurance industry implications.
Effective Hepatitis C Treatment & Opioid Crisis Leads to More Liver Transplants
Advancements in hepatitis C (HCV) reach further than just curing 90% of those infected with the virus. For the first time in a quarter of a century, the organ transplant list has decreased thanks to utilizing organs from HCV infected donors.
Body dysmorphic disorder (BDD) was first described in 1891 as “dysmorphophobia” by Enrico Morselli, an Italian psychiatrist.It is an obsession with perceived flaws in one’s own appearance that will most likely appear insignificant or unobservable to others. This article will look at BDD in more detail and cover the potential implications for obtaining insurance.
Millions of overweight and obese individuals are at increased risk of non-communicable diseases and early mortality than the non-obese. RGA's Hilary Henly explores what insurers need to know about the consequences of rising obesity rates and dietary trends across the globe.
Impaired Risk Review: When to Worry About Bronchial Asthma
Most cases of bronchial asthma are not an underwriting worry. It is a common disease, affecting between five to 10 percent of the population. But asthma is also becoming more concerning than it was ten or twenty years ago. Prevalence, hospitalizations, and fatal asthma cases have all increased, and there were close to 4,000 asthma deaths in the United States last year. Knowing which cases are the most concerning is the key to successful underwriting and case placement.
A cloud of uncertainty? In ReFlections, RGA's Hilary Henly, investigates growing use of e-cigarettes and the practice of vaping among the young and exposes adverse health effects, unknown risk, and the increased potential for long-term dependence.
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.