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Game change? Canadian group carriers once offered optional cover without medical evidence only on a limited case-by-case basis. Now it’s increasingly standard. This article explores findings from ¹ú±êÂ鶹ÊÓƵAPP Group Life, LTD and Critical Illness Non-Evidence Limits/Overall ...

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Then I joined the working world as an entry-level actuary. In some ways that mindset subconsciously stayed with me. I would race through a project without spending adequate time to check my work and think about whether the conclusion made sense. I realized in a hurry...

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The complex anatomic structure of cerebral arteriovenous malformations (AVMs) can present both physicians and underwriters with many challenges, including correct diagnosis and classification, appropriate risk prognostication, and most important, selection of ap...

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Understanding the association between persistent cervical infection with high-risk human papillomavirus (HPV) and the development of cervical cancer is fundamental when underwriting cases where HPV is present. This article explores the latest research and relationship.<... Read More

Underwriting breast cancer in 2017 will require an understanding of the current and growing role of genomics in the assessment of its mortality risk. The importance of genomics today is being seen in precision medicine: the increasing ability to predict the biologica...

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At a time of changing customer demand, regulatory standards, and market pressures, how do insurers bring successful new products to market? A new Society of Actuaries (SOA) study conducted by RGA and LIMRA explores the trends. Following are highlights. An over... Read More

Learn more about breast cancer genomics, Arteriovenous malformations, and HPV testing.
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MTV launched, the space shuttle Columbia landed, and a notice from the Centers for Disease Control and Prevention (U.S.) reported a new and mysterious immune system problem appearing among men in the Los Angeles area. Read More

Greater freedom of movement has contributed to a rise in foreign death claims – and increased incidence of fraud.

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Only dancers who show the most improvement are selected to join the corps de ballet, and these may not necessarily be the best dancers. The ballet master is looking for the dancers who best respond to feedback—those who have a growth mindset. Read More

One constant about the work we do is change. We work closely with our clients to evolve our paradigms in order to offer the products and services needed in a world that is changing rapidly on a variety of fronts. Read More

As we look ahead, the practice of underwriting is going to become more entwined with the application of new technologies and data sources. We will need to continually refine and integrate facultative underwriting expertise into these solutions to compete and succeed....

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The National Institutes of Health (NIH) defines precision medicine as “an emerging approach for disease prevention and treatment that takes into account individual variability in genomics, environment, and lifestyle for each person. Read More

Is underwriting like a still photograph, a movie, or virtual reality? Georgio Mosis of RGAx Asia shares a fresh perspective. 

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Despite decades of research, the exact causes of MS are still hotly debated, and so are the implications for insurers. MS has no ‘normal course’ of progression and no cure, so it is a difficult impairment to underwrite and price. Read More

Insurtech describes a fusion of insurance, health and wellness, and technology. It is an intersection on the innovation highway, a place where discoveries across multiple disciplines converge to enhance daily lives, even as they upend old business models. Read More

In disability claims management, we are continuously seeking to better understand the physical, psychological and social barriers that contribute to claimants' disabilities and prevent them from returning to work. Read More

Enter TransUnion TrueRisk® Life, a credit-based insurance score that models credit-based behavior and is predicti...

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RGA closely monitors advances in mortality and morbidity research that have the potential to significantly affect our clients.  Events such as the Society of Actuaries' Living to 100 Symposium provide a valuable opportunity to hear from key rese...

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As bariatric surgery advances and becomes more common, it is increasingly being used as a quick-fix treatment for weight-related conditions. This article explores the type of patients who may benefit from bariatric surgery, provides an update on the various surgical tec... Read More