Description: Highlights of the 1997 International Underwriting Congress with an in depth discussion of 1 critical illness policies and 2 Use of population data where little insurance data exists.

Description: Advice and lessons learned from two industry leaders on how to account for organizational culture and strategy, InsurTech, and customers in order to build a winning environment for innovation and execution.

Description: This is an article about genetics, diagnostic testing and related underwriting of insurance policies.

Description: The article warns actuaries that using predictive models in the underwriting process has a strong potential of inadvertently using variables that are prohibited by law.

Description: In May of 2006 the Life Insurance Mortality and Underwriting Survey Committee of the SOA surveyed both reinsurers and direct companies about their practices with respect to making business decisions in the underwriting process. This article highlights the comparison of the results of the two surveys.

Description: The life insurance industry has experienced dramatic changes since the onset of COVID-19 in March 2020. Growing competition, a rise in online shopping, and the impact of COVID-19 have all led to an increase in contactless and completely digitized life insurance options. At Policygenius, we wanted to dig deeper into these big industry changes and better understand how they affect life insurance buyers. What our 2022 life insurance trend report found was a changing industry, making tremendous strides, and creating even better pricing and policy options for customers.

Description: Milliman Risk Score will now consider an applicant's Rx and Credit Data. RGA has developed a comprehensive DHD platform and scoring algorithm to transform raw DHD into actionable underwriting assessments. Both new tools will be presented.

Description: In this mock jury trial, a life insurance company defends their underwriting process. The audience, as the jury, will render the verdict.

Description: There are certain occasions when the knowledge we have gained in our jobs carries over into our personal lives. For instance, developing insurance products certainly helps when it comes time to buy an insurance policy. Recently, one of the authors had the experience of giving his 91-year-old grandmother, Nanny as she is affectionately called, an Extended Delayed Word Recall DWR test. This article will show that DWR tests are a powerful predictor of mortality in the elderly. As the population ages and more and more life insurance is being applied for at the older ages, having a DWR test in an underwriting arsenal is like comfort food for an actuary.

Description: Discussion of the need for financial underwriting and some history on industry practices. Also includes a discussion of how communications should take place between the underwriter and financial advisor to the insurance applicant.