RECENT OTR ARTICLES
ALU Survey Results
Click here to access this article. Explore the latest results from the ALU Underwriting Survey. The team of volunteers who operated the survey...
A Pinch of Accelerated Underwriting and a Dash of Simplified Issue: Could it be the Perfect Recipe for Risk?
Click here to access this article. Take a closer look at the complex spectrum between traditional SI and AU and discover new ingredients for life...
The Future Of Infectious Diseases: Q&A With Dr. Michael T. Osterholm By Dr. Daniel Zimmerman
Click here to access this article. While the worst of the COVID-19 pandemic is over, we must remain vigilant in monitoring ongoing infectious...
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ALU Survey Results
Click here to access this article. Explore the latest results from the ALU Underwriting Survey. The team of volunteers who operated the survey focused on the prevalence of process and procedure changes and how these were impacting underwriters' time. Find...
A Pinch of Accelerated Underwriting and a Dash of Simplified Issue: Could it be the Perfect Recipe for Risk?
Click here to access this article. Take a closer look at the complex spectrum between traditional SI and AU and discover new ingredients for life products that can increase customer satisfaction, attract the right risks, and maintain low mortality. Delicious duos...
The Future Of Infectious Diseases: Q&A With Dr. Michael T. Osterholm By Dr. Daniel Zimmerman
Click here to access this article. While the worst of the COVID-19 pandemic is over, we must remain vigilant in monitoring ongoing infectious disease risks. These include the potential of another pandemic, as well as other infectious challenges related to climate...
Overweight and Obesity – Part 1 – Is It Time To Rethink Our Underwriting Rules?
There appears to be no limit to the rate of increase of overweight and obesity in the US. Currently, using standard BMI definitions, approximately 70% of the US population is overweight, with 42% of those obese, with a BMI (Body Mass Index) 30 or greater. These...
Melanoma for the Life Underwriter
Click here to access this article. Melanoma is a relatively common challenge confronting the Risk Underwriter (RUW). This cancer is otherwise not as common as breast or prostate cancers in the community. This article is focused on the basics required by the life...
RGA Global Mental Health Survey
Click here to access this article. RGA’s 2023 Global Mental Health Survey provides insights into insurers’ current offerings and initiatives related to mental health and a unique view of where the industry may be...
Electronic Health Records – What Does the Future Look Like?
This is the final article in a series on Electronic Health Records. The first article introduced Electronic Health Records, while the second article introduced data standards and the work underway to define data standards for life underwriting. The third article...
The Sunset of the High Federal Estate Tax Exemption and Other Tax Cuts and Jobs Act Provisions: Some Advanced Underwriting Considerations
Underwriters and insurance company risk executives often ask me what advanced planning professionals think about the upcoming expected sunset of the federal estate tax exemption and sunset of the lower federal income tax rates. The answer varies from planner to...
Insuring the Influencer – Part 2 – Financial Considerations
Click here to access this article. Underwriting social media influencers presents a distinct set of challenges owing to the industry’s dynamism and unique risk factors. Effective evaluation requires a holistic approach that considers income sources, career...
Algorithmic Accountability, Data Bias and the Regulatory Landscape
Click here to access this article. A hot topic on this year’s conference circuit has been the use of artificial intelligence (AI) in life insurance underwriting. While the industry is still in the early phases of determining how to best tap AI’s potential, there...
