Heroin – the Other Opioid
Currently heroin, cocaine, marijuana, prescription medications — specifically prescription opioids — and alcohol are recognized as the chief forms of substance abuse in our society. In this white paper, we continue our series examining the opioid epidemic and its significance for the life insurance industry.
Genetics – a Testing Time for Insurers?
This paper looks at the broader future implications of genetic testing for society, medical professionals and the insurance industry
Traumatic Brain Injuries
Research reveals that multiple TBIs, even mild concussions, may have long-term impacts on patients, so underwrite carefully.
Impaired Risk Review: Predictive Analytics
For those of you fortunate enough to have seen the classic 1967 Academy Award nominated film, “The Graduate,” a line of advice on the future given to Dustin Hoffman’s character is still a classic. “I want to say one word to you... Just one word... Plastics...” Nowadays, in the field of life insurance underwriting, that might be expanded to two words: “Predictive analytics.” If you haven’t heard the term it will certainly become part of the underwriting experience in the upcoming years.
Demystifying NT-proBNP as a Screening Marker for Underwriting Purposes
Since the early 2000s cardiac biomarkers have become the cornerstone for diagnosis, risk stratification and therapeutic decision in cardiovascular diseases, specifically NT-proBNP (congestive heart failure) and cardiac troponins (acute coronary syndromes).
The Answer May Depend On How You Ask the Question
This article from RGA considers how Behavioral Economics (BE) principles can be applied to the design of questions on insurance applications in order to elicit better responses
Tobacco and Alcohol Underwriting in North America
We recently completed a survey of US and Canadian life insurers asking about underwriting practices and perceptions related to assessing tobacco/nicotine, alcohol and drug use. Over 100 carriers participated.