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.
Click on "Issue 107, June." Article states on page 10
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.
Impaired Risk Review: Insurance with HIV
From the initial recognition of HIV virus in 1981, HIV infection has turned from an almost universally fatal infection, to one that could be managed with medication to extend life, to a disease which can be controlled with newer and revolutionary medication therapies. While many companies continue to see the HIV virus as uninsurable, that corner has also been turned, and life insurance in selected cases of treated HIV infection is now possible. Even though the conditions that must be met are numerous and the criteria stringent, applicants with HIV now have the possibility of acceptable insurance offers.
Gastrointestinal Stromal Tumor (GIST)
The latest issue of Housecalls looks at GIST and its mortality implications.
What Drives People to Self-Harm and What Does it Mean for Insurers?
When thinking about self-harm, we most associate it with youth. More than half of 11-14 year olds and eight out of ten 18-21 year olds have self-harmed - or know someone who has - according to the results of a UK poll undertaken during 2015.
The latest issues of Housecalls: Underwriting Case Studies & Insights includes a case involving anaphylaxis.
Artificial Intelligence and Underwriting
Is underwriting like a still photograph, a movie, or virtual reality? Georgio Mosis of RGAx Asia shares a fresh perspective.
Recreational Marijuana – Where’s the Risk?
In 2015 we published a white paper with an underwriting perspective on marijuana use. The following paper takes a look at the developing landscape after two years.