Cancer Risks: Are We Getting Them Right?
Researching cancer mortality over the past few months has proved to be a bit of an eye-opener, and in three ways: firstly the level of excess mortality seen in a number of cancers, secondly the duration over which an extra risk persists, and thirdly that excess mortality may extend over a considerable period.
An Update on Hypertrophic Cardiomyopathy
This article will provide a contemporary perspective of HCM, including potential treatment modalities and how its risk is currently stratified. Aspects of this condition that present particular challenges for the insurance underwriter will also be described.
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Bioelectronic Monitoring and the Future of Underwriting
Advances in bioelectronic technology – and the resulting influx of data – promise to reshape the underwriting process. Preparing today can help insurers capitalize on the opportunities of tomorrow.
Investigating Life Insurance Fraud and Abuse
To better understand the challenges fraud presents, RGA has reached out to life insurers: We surveyed insurance companies, conducted informational interviews, held discussions at the 2016 RGA Annual Fraud Conference, and conducted our own internal research of claims experience.
The Magic of Selfies In Life Insurance
“People think the process is too onerous and the product is too expensive.” That, Legal & General Insurance EVP James Galli told Karen Webster in this week’s TopicTBD discussion, is the perception of getting a life insurance policy.
Clinical Laboratory and Biometrics Measures Used to Assess Risk
This article will explore the past, present, and future of clinical laboratory and biometric testing as they apply to life, disability, and long-term care insurance underwriting.
Accelerated Underwriting: A Transformational Trend
As the life insurance industry continues to look for innovative ways to respond to the changing needs, expectations and buying preferences of 21st century consumers, insurance companies and their reinsurance partners have responded by expanding research and development capabilities. As a key area of research within the industry, cross-functional R&D teams of actuaries, underwriters, data scientists and statisticians are focusing on providing value-added intelligence and advice around the mortality risk implications of using risk scores and new data sources in accelerated and enhanced underwriting programs.
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Impending Death of the Life Insurance Medical Exam
Peeing in a cup, giving blood samples, getting blood pressure checked and stepping on the scale were once unavoidable (and often dreaded) parts of applying for life insurance. But data services and technology are gradually replacing the life insurance medical exam.