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In this age of amazing medical advances, it seems as though anything broken can be fixed.  In my native South Africa, the surgeon Dr. Christiaan Barnard proved that even defective hearts can be replaced when he performed the first heart transplant in 1967.
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• Lifestyle behaviors significantly contribute to health outcomes.
• Physical activity improves longevity.
• Smoking increases mortality rates.
• Exercise cannot negate the negative impact of smoking.

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Digital transformation is at the top of most carriers’ agendas. But as life insurance sales move from the adviser to online channels, are we forgetting the science of persuasion? �����鶹��ƵAPP Matt Battersby explores the issues in Read More

Are you interested in volunteering? Consider opportunities at these websites to learn more: 

• On the Risk - https://www.ontherisk.com/
• The Academy of LIfe Underwriting - https://alu-web.com/ 

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While improved understanding of diabetes has extended lives around the globe, rising incidence poses a growing challenge. How should insurers incorporate technology and data-driven insight to develop products? �����鶹��ƵAPP Dan Lyons and Neill Muller discuss the consideratio...

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�����鶹��ƵAPP Tina Haertzen shares a new year's resolution for group insurers in Group Insurance Insights: maintain pricing discipline (and eat your vegetables!).
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Group insurers can unearth significant reserve savings by focusing more attention on their life waiver of premium (LWOP) block of claims. A 2018 RGA survey of 30 major group disability carriers in the United States and Canada reveals compelling insights into simple w...

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With advances in machine learning and artificial intelligence coming with increasing speed, could the basic human component of clinical medicine – the relationship of the patient with the doctor and other clinicians providing services – be in danger of obsolescence? RGA... Read More

When it comes to Electronic Health Records (EHRs), for some time now life insurers have wondered when or if EHRs would become a reality. This is no longer in question, and �����鶹��ƵAPP Sue Wehrman now explores the question of how the industry will use this new technology.

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In this issue of ReFlections, �����鶹��ƵAPP Lund and Wu explore the relationship between iodine and thyroid disorders, the updated clinical risk classification of thyroid cancer stages, and the possible impact of these changes on the insurance industry.

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Can you teach a machine to learn? The future of insurance – and many other industries – may rest upon the answer. �����鶹��ƵAPP Jeff Heaton discusses the promise of AI ... and the limitations. Follow Jeff on Read More

Rod Serling has nothing on RGA’s Melissa Tilford and Mary Johnson. These experts explore the jobs of the future and the implications for today's group underwriters.

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In this issue, explore topics from iodine and thyroid disease to A.I. and Electronic Health Records.
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There are few industries in the world where behavioral science can have more positive impact than the life and health insurance industry. But how do you get started? �����鶹��ƵAPP Matt Battersby shares two approaches in the second half of his wide-ranging overview of behavioral... Read More

Now is the time for life and health insurers to apply behavioral science to help solve problems, such as underinsurance, inaccurate disclosures, and unhealthy lifestyles. RGA behavioral scientist Matt Battersby explores why people make the decisions they do -- and wh...

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“Where will we see the most innovation in the life insurance industry in the next three years?”  �����鶹��ƵAPP Jared Godwin asked this question at the annual conference of the Actuarial Society of South Africa. The answers are illuminating. 

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In the US, effective April 1, 2018, the US Department of Labor (DOL) passed updated regulations for employer-sponsored benefit plans subject to Read More

The consideration of taxes in the context of Loss Absorbing Capacity of Deferred taxes (LAC DT) can reduce the SII capital requirements substantially. Under certain circumstances effective use of reinsurance offers some advantages, and this article explains how this can... Read More

�����鶹��ƵAPP Tamer Saher offers a cogent analysis of the current USD$20 billion takaful market, including its evolution and current state. Read More