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.
Applying Modern Biotechnology to Life Insurance Underwriting
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.
Ethical Standards are an Integral and Critical Consideration for Predictive Model Developers and Users
Dr. Tom Fletcher, VP Data Analytics, North America Life, shares his perspective on the component strands necessary to build and maintain ethical standards in predictive modeling.
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.
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.