Impaired Risk Review: Mood Disorders
While grief and sadness may be normal physiologic responses to stressful situations, depression is not. Whether that depression translates into conditions that affect insurability or threaten a person’s well-being is always a difficult assessment for underwriter and clinician.
Cannabody: The Insurer's Quick Reference Guide to Recreational Cannabis Use
Curious about the effects of recreational cannabis use on the human body? RGA South Africa produced a quick reference guide for insurers.
3 Insurance Underwriting Predictions for 2019 and Beyond
Could 2019 be the year of an underwriting technology transformation? We’re not yet ready to make that prediction, but we do see the makings of a transformation, as more insurers invest in technologies that they believe will deliver solid returns to their top and bottom lines. In fact, underwriting is the second-largest category within the growing life insurtech investment sector.
Wired to Underwrite: Artificial Intelligence and Underwriting
Can machines learn? RGA Senior Data Scientist Dr. Dihui Lai thinks so, and he should know. Lai recently unveiled an RGA-developed “AI-Augmented” underwriting system at the Society of Actuaries Predictive Analytics Symposium and took a few moments to explain the results.
Genetic Tests: Are They All Equal?
This article discusses what a genetic test can reveal about us, the variety of genetic tests available and some of the pitfalls we can experience as underwriters, or indeed consumers, of these genetic tests.
Most advisors have heard of Obstructive Sleep Apnea and may even have a client, friend or relative who has it. But many advisors don’t truly understand what Obstructive Sleep Apnea is, the pathophysiology of the condition, or how insurance companies underwrite individuals who have it.
New Trends in Personalized Medicine and Insurance Implications
If the insurance industry is informed about medical advancements, a huge advantage arises for future underwriting with regards to calculating ratings for specific diseases and also creating digital application forms with simplified underwriting.
What Every Advisor Needs To Know About Impaired Risk
A proper handling and understanding of what the client and advisor need to present to underwriting is the difference between success and failure.