Underwriting Mental Health
The underwriting of mental health conditions has always been notoriously difficult. To properly assess such applicants an underwriter needs to look at the complete picture of not only the applicant’s health but also factors such as employment record and support network.
John Hancock Touts Early Returns On Apple Watch Monitoring Plan
New global research released by Vitality, a leading behavior change platform, reveals that financial incentives combined with wearables encourage people to significantly increase their physical activity.
Applying Behavioral Economics for Better Business Results (Slides)
Slides from the presentation by Keith Brown have been posted at the the Actuaries' Club of the Southwest website.
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.