Life

The practice of preventive medicine requires estimating the risks of developing chronic diseases so as to enable risk-mitigating measures such as diet, lifestyle and medical interventions to be implemented. 

The industry has been talking about the “future of UW” for decades, but now COVID-19 has “accelerated the inevitable” and the future is now.
 

Dr. Achim Regenauer, Chief Medical Officer, discusses a newly published study that links air pollution to the occurrence of common neurodegenerative diseases, namely Alzheimer’s and Parkinson’s disease, the two fastest-growing neurological conditions in the world.
 

In my experience, two of the most challenging underwriting topics for advisors to understand are liver disease and kidney disease. 
 

We’re used to seeing hypercholesterolemia as a known risk factor, but high triglycerides are also associated with an increased risk of cardiovascular disease.

Applying Modern Biotechnology to Life Insurance Underwriting

In ReFlections, RGA's Dr. Georgiana Willwerth-Pascutiu provides a scientific perspective on one of the most controversial and complex plants in the world, including its derivatives, its prevalence of use, and insurance industry implications.

Dr. Tom Fletcher, VP Data Analytics, North America Life, shares his perspective on the component strands necessary to build and maintain ethical standards in predictive modeling.

We must chart a course that continues producing robust mortality gains absolutely critical to our bottom lines … despite the challenges posed by the incipient 2020 Great Recession and the protean consequences of the COVID-19 pandemic. This article identifies and discusses core factors that I believe will determine how all of this sorts out over the next decade. It also suggests how we can greatly minimize mortality-related adversities via prudent changes in how we underwrite life insurance.

Mortality results are of paramount importance to your bottom line. Here, a seasoned industry expert explains what the current situation is, why we are where we are, and how we can survive.