Polygenic Risk Scores: Combining Thousands of Genetic Variants to Predict Disease
Richard Russell, Ph.D., Lead Health Data Scientist, U.K., Division of Global Research and Data Analytics (GRDA), addresses polygenic risk scores (PRSs) and provides an update on the quickly advancing knowledge in this area of genetics research and risk assessment.
Simplified Issue is Expanding the Limits of Underwriting
Previously reserved for the hard to insure, simplified issue products have evolved into fully underwritten simplified products. Backed by artificial intelligence, these products have become an alternative to traditional simplified issue products.
A Life Insurance Company Wants to Track your Fitness Data
A company using what seems like a fun smartphone game to get you to walk more might be a slippery slope. With access to all that data, what will a big corporation ultimately do with it? This is still new, so the implications are murky.
John Hancock Will Only Sell Interactive Life Insurance with Fitness Data Tracking
John Hancock, one of the oldest and largest North American life insurers, will stop underwriting traditional life insurance and instead sell only interactive policies that track fitness and health data through wearable devices and smartphones, the company said on Wednesday.
Don’t Share Your Health Data with Insurance Companies Just for the Perks
Insurers are today capable of and are, in fact, gathering ever-more-detailed information about us, using publicly available and purchasable information like shopping records, household details, and social-media profiles to inform decisions.
Biological Age Model: Using Wearable Data to Empower Healthier Lives
Customers today are more digitally‐enabled, more health conscious and more demanding of customized products and services that offer greater freedom and flexibility. The insurance industry however often fails to keep pace, and consumers can face multiple pain points in their insurance journey.
Underwriting and Claims: In Plain View - Interrupting Violence and Abuse
Our deepening understanding of physical costs of violence and abuse has profound implications for life and health insurance. RGA’s ROSEBUD® Consulting Group recently invited Pamela DeWitt-Meza to present a webinar on “Intersections of Abuse” to help case managers identify signs of abuse and intervene effectively, and she discusses the highlights in a brief interview.
Impaired Risk Review: A Case in Progress
A 64 year old female was submitted for life insurance with what the agent felt were “insurable problems.” She was diagnosed with lupus 20 years ago but the disease had remained inactive, on no specific medications, normal kidney testing, and only with recommendations to stay out of the sun for photosensitivity reasons.