Master the Facultative Submission Puzzle
Life insurance underwriting isn’t just a job – it’s an art, a science and, at times, a puzzle. To piece together a particularly complex or challenging case, it often makes sense to seek facultative consideration from a reinsurer. Find tips and tools here to make the process easier, including a sample cover letter.
Breast Cancer in Women (SCOR inFORM)
Breast cancer in women is a real public health issue. All doctors, whatever their specialty, are confronted to some extent with patients with this type of tumor. It is the second most common type of cancer in the world. Breast cancer is responsible for more than 520,000 deaths each year, and is the fifth most frequent cause of death in the world.
How 3D Printing Is Changing Medical Treatment
It’s not so surprising that solid objects made from printed plastic or titanium, such as replacement hip joints or dental implants, can be made by 3D printers. More remarkable is that new human tissue might be printed from bio-ink comprising of droplets of living cells, stem cells and other biomaterials to replace or support an existing biological structure - a process known as regenerative medicine.
Mature Ages and Preferred Underwriting
Preferred underwriting is simply the aggregation of risk into groupings, according to a set of predetermined criteria representing a certain level of risk. Historically, the insurance industry simply classified individuals as either standard or substandard risks.
ReFlections Underwriting Newsletter September 2016
This edition of ReFlections offers essential reading on two very timely topics - insurance considerations given the changing status of HIV/AIDS and the use of patient-generated health data. This issue also describes new investigations supported by the Longer Life Foundation, RGA's joint foundation with Washington University School of Medicine in St. Louis.
Wearable Technology - Findings from a Trial at SCOR Global Life
SCOR Global Life recently trialled wearable technology among its workforce. Here is what happened.
SCORacle Newsletter 5
The latest issue of SCOR’s UK Life Newsletter has been posted. Contents of the latest issue include:
- Solem: What’s new with SCOR’s Underwriting and Claims manual?
- Underwriting and Claims Development Team: Our role in supporting our clients in underwriting and claims excellence
- “To Err is Human:” How should we speak to our claimants?
- Antibiotic Resitance: Is this becoming a Global Crisis?
- General Data Protection Regulation (GDPR): What will it mean for the insurance industry?
RGA ReFlections May 2016 Issue
This edition of ReFlections contains an in-depth review of the role of genetics in the rapidly changing diagnostic criteria, risk stratification, and treatment of individuals with chronic lymphocytic leukemia (CLL). RGA also discusses the relatively new but increasingly popular Cancer Reimbursement product and its design, underwriting and claims issues. ReCite, a medical literature review section, has articles of interest to both underwriters and medical directors.
In the next decade, genetic tests may become significant and cheap enough that advisers begin suggesting insurance customers test prior to applying for insurance cover. Will consumer behavior change as genetic testing becomes more accessible?
SCORviews March 2016 Issue
The latest issue of Scor Global Life’s SCORviews publication includes the following articles:
- When the Term Level Ends
- Mortality Improvements in the Future
- Data Protection and the Cloud