Post-traumatic stress disorder (PTSD) was first introduced into the Diagnostic and Statistical Manual (DSM) of the American Psychological Association in 1980. Since then, the diagnostic guidelines have been reviewed multiple times, and the understanding of risk factors, neurobiological consequences and psychological symptoms has improved dramatically.
One of the most difficult calls facing an underwriter is the discussion with a producer who insists that his client has been unfairly rated due to an improper fasting time prior to blood drawing
During the pandemic, we’ve had fewer in‑person interactions and done more things remotely. A positive is that we are becoming better at using technologies that fit this new normal. The question is whether or not technology can be adapted to allow for socially distanced, fast and effective medical risk assessment and if successful, can it help invigorate underwriting?
“Precision” has become a popular buzzword in financial services – yet when it comes to life and health insurance, underwriting processes have been challenged to keep pace with medical advances. Is it time for a new approach to calculating risk?
As many Americans return to post-pandemic normalcy, life insurers are as well, with many companies curtailing or eliminating underwriting restrictions that have been in place since March 2020.
New ‘polygenic’ screening techniques open a Pandora’s Box of ethical issues.
In 2020, RGA produced a five-part series of articles exploring life insurance fraud in the time of COVID-19 as a lead-up to the RGA Fraud Conference. One year later, with the ninth annual RGA Fraud Conference set for August 16-20, we checked back in with the authors of those articles to learn how the climate for fraud may have changed as the pandemic has evolved and how the industry can prepare for what lies ahead.
Will the COVID-19 pandemic cause ‘diseases of despair’ to rise and will this affect long term trends in mortality and morbidity?
When it comes to risk selection, insurers typically assess whether an applicant has a clinically diagnosed mental illness like schizophrenia or bi-polar disorder.
Several systems are available in the market. To help you research beyond a provider’s high-level content and demos to evaluate the right system for your business, we recommend asking them the following five questions.
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