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.
The Outlook for Life Product Development Remains Cloudy
What do life insurance product developers have on their minds? A recent study group gave us some clues.
Barriers to Accelerated Underwriting Beginning to Crumble
Accelerated underwriting began breaking down the remaining barriers to a digital world of life insurance distribution last year thanks to new technologies and services provided by large insurers and start-ups alike, according to a new report.
Life Underwriting In 2017 and Beyond
Insurers’ goals are cost containment, faster turnaround and “customer friendliness” with a mandate for continued robust mortality gains. This article looks at impactful interim developments and critical questions yet to be resolved. It includes data from a 2017 survey of 110 life insurers regarding tobacco, alcohol and drug use underwriting.
New Tech & Big Data: Are They Good for Insurance?
Richard Keating investigates how big data and new technologies are changing the face of the insurance industry, and examines the resulting threats and opportunities.
Underwriting and Calculators
On our travels we speak to a lot of people about underwriting manual developments. One topic which comes up time and again is calculators: great invention or the work of The Devil?