Click here to access this article. The author contends that life insurers need a new “decision-first” underwriting philosophy built around decision speed and evidence sufficiency, not simply faster versions of legacy workflows. For decades, underwriting was shaped by...

Click here to access this article. Chronic interpersonal trauma, including domestic violence and sexual abuse, represents a significant yet often underrecognized determinant of long-term morbidity, mortality, and disability among women. The growing body of evidence...

Click here to access this article. In the final installment of the Journey into the Insurance Industry series, three industry professionals representing a carrier, a reinsurer, and a vendor reflect on a common lesson learned throughout their careers: success in...

Click here to access this article. Identity crimes are nothing new to insurance, but the intensity in which threat actors are conducting attacks against the insurance industry has drastically increased. Many people are concerned with artificial intelligence (AI) and...

Click here to access this article. This paper argues that artificial intelligence must be understood not merely as a tool, but as a medium that shapes how information is interpreted, including across the life and health insurance underwriting and claims continuum....

Click here to access this article. Accelerated underwriting has altered the pool of insured risks for life insurance carriers by including some lives which would have previously been declined under full underwriting. By waiving traditional requirements such as...

Click here to access this article. This article explores the growing gap between enterprise-approved artificial intelligence tools and the rapidly evolving capabilities available in the broader marketplace. Using a memorable analogy from The Twilight Zone, the author...

Click here to access this article. This year, the ALU Survey Committee took a lighthearted approach to learn what professionals in the underwriting industry are up to—where they work, how they work, when they work, and even who they work with (wings, paws, and all!)....

Click here to access this article. William M. Tilford, Certified FALU, FLMI, CLU, Fellow of ALUCA, of Tilford Consulting in the United States interviews Luiz Medeiros, a life underwriting manager currently based in Barbados who spent most of his career in Brazil and...

Click here to access this article. RGA’s independent validation found that Milliman Risk Score version 4.0 more effectively distinguishes mortality risk across applicants and aligns predicted risk more closely with actual outcomes than version 3.0. Combining...