Critically important containment measures have been shown to ‘flatten the curve’ of new SARS-CoV-2 infections, save lives and ease the pressure on healthcare systems and medical supplies. At the same time, there are indications that these and other COVID-19 related measures will, depending on their extent and duration, also impact on the future mortality and morbidity trends of other areas of disease and health.
Why do some COVID-19 patients experience critically low blood-oxygen readings? Why has mechanical ventilation been of varying benefit? RGA's Heather Lund explores these and other pertinent questions surrounding COVID-19-associated coagulation abnormalities. Insights shared and learned can only help to better understand, manage, and predict possible disease outcomes of this novel pathogen.
There remains much debate about Coronavirus and the many ways in which it has affected, is affecting and will affect societies: for example, the death tolls so far and in future, ways to suppress its activity, the value of testing, tracing and monitoring, the economic impact of ‘lockdowns’ and whether governments have responded appropriately in a timely manner.
LIMRA worked with the Society of Actuaries and Oliver Wyman to conduct a series of short surveys on the COVID-19 pandemic and its potential effects on the insurance industry.
Undoubtedly, after hours and hours of CNN and network news coverage, we are all “experts” on coronavirus, something we likely knew nothing about entering this new year. How it spreads, what to do to avoid it, how to practice social distancing, sheltering in place—all part of our new vocabulary in this stressful time. Just as it affects our daily lives, it also affects life insurance applications and how we are handling different steps in the process.
COVID-19 has had the biggest short-term effect on life insurance in two ways
Life insurers are demonstrating flexibility in response to the pandemic, smoothing the sales process through digital channels, relaxed underwriting requirements and coverage extensions.
Here are 10 things people in the sales and distribution community are saying about the current, and future, effects of the pandemic, drawn from written commentaries emailed to us, emailed to clients, or distributed through press release services.
In a response to the uncertainties COVID-19 has brought to the world, Swiss Re is opening access to its proprietary Life Guide underwriting manual to all life and health insurers for 90 days (from 27 April to 31 July 2020). The offer is designed to help life and health insurers navigate today’s crisis, better understand all risks they underwrite and give them confidence in offering coverage at a time when more people are thinking about life insurance and re-evaluating their financial situations.
Will the mortality associated with COVID-19 affect your life insurance business? This article examines early mortality experience related to COVID-19 and includes a discussion about the difficulties in using this data. It also provides some ideas for changes to life insurance underwriting to help cope with COVID-19.
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