ON THE RISK is the Journal of The Academy of Life Underwriting. Published quarterly, it addresses the issues that are relevant to all people involved in underwriting life and living benefits insurance. Our full mission is explained here.

To subscribe to OTR, please consider joining either the AHOU or the CIU or both. OTR is one of many benefits of membership.


OTR permits non-member subscriptions as a courtesy. Click here to directly subscribe online today. Click here to subscribe offline (by check). Also, AHOU and CIU members and direct paid subscribers can browse the current issue table of contents as well as recent issues or search the Online Index. You can order copies of past articles as well.

IMPORTANT: Under current copyright laws protecting OTR’s digital rights, a subscription is a personal subscription for one person only and cannot be shared with others at your company. It is illegal to share the username and password or to post the downloaded e-version PDF on a company’s intranet or to e-mail a copy to others as a means of avoiding the purchase of additional subscriptions.

If you have any comments about the website or an article you have read, please contact us.

If you are interested in writing for OTR, please review the OTR Author Guidelines.

Our circulation is worldwide. We are read by major decision makers in the insurance industry. If you are in a business that provides services to insurance companies, consider advertising with ON THE RISK.

We are firmly committed to the spirit and letter of antitrust laws.