RECENT OTR ARTICLES
How Insurers Combat the Complexities and Challenges of Fraud: RGA/MIB 2024 Survey
Click here to access this article. Fraud is a lingering concern for US life insurance carriers, presenting a myriad of challenges. Through the...
Transforming Underwriting: Balancing Technology and Human Expertise
Click here to access this article. Recently the life insurance industry has seen a wave of technological advancements aimed at making...
The Complete 80 Page December Issue
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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...
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How Insurers Combat the Complexities and Challenges of Fraud: RGA/MIB 2024 Survey
Click here to access this article. Fraud is a lingering concern for US life insurance carriers, presenting a myriad of challenges. Through the 2024 US Life Insurance Fraud Survey, conducted by RGA and MIB, 25 carriers shared their pain points, as well as detection...
Transforming Underwriting: Balancing Technology and Human Expertise
Click here to access this article. Recently the life insurance industry has seen a wave of technological advancements aimed at making underwriting faster, more accurate, and more customer-friendly. Digital health data and automation are now at the forefront of this...
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...
