Underwriting

Recent blog post from SelectX on issues that can arise during an underwriting rules implementation.

The definition of congenital heart disease (CHD) is the persistence of any structural abnormality of the heart or great vessels that is present at birth. Those patients with CHD who achieve adulthood are considered to have adult congenital heart disease (ACHD). This is a very heterogenous group, consisting of multiple types of lesions and various stages of repair.

The controversy surrounding the political consulting firm Cambridge Analytica’s use of personal data harvested from social media accounts without the users’ permission is among the first of what likely will be a long series of public debates about how the use of “big data” can shape our lives. And one of the most obvious battlegrounds where we should expect such fights to play out soon is in the insurance industry.

The United Kingdom may have come up with a good, practical compromise.

In theory, it is the depersonalization of the consumer experience and process in search of the cheapest and easiest alternative in doing business.  Life insurance is unfortunately one of those entities subject to these forces, whether by Amazon or by other methods insurers are now using to amalgamate the process.

Legal & General America, a top player in the U.S. term life market, has found a secret passage into U.S. consumers’ wallets: selfies.

Why “We have always done it this way” is not an ideal approach for insurers today.

What is Chronic Granulomatous Disease, and what are the mortality implications?

Sears Merritt says the company has already learned interesting things about how people age.