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Perspective

Our Perspective

  • Critical Illness As a Supplement to Disability

    By Steve Rowley |February 16, 2014|English

    Only two things are needed to successfully sell any insurance product. The first is a belief in the product itself: A deep belief that you are doing a disservice to the community if you don't get the word out about the importance and necessity of the...

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  • Critical Illness Experience Studies

    By Steve Rowley |December 21, 2013|English

    Once an insurance product is developed and sold, the next challenge is maintaining profitability while remaining competitive and relevant to the needs of the market. As a comparative newcomer to the U.S. life insurance industry, Critical Illness products...

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  • Individual Critical Illness Application Development

    By Steve Rowley |November 04, 2013|English

    An application for insurance is one of the most critical risk management tools available to an insurer. In the case of Critical Illness insurance, it is sometimes the only tool available for risk selection and usually the only document incorporated...

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  • The 2013 U.S. Critical Illness Insurance Market Survey

    By Steve Rowley |October 17, 2013|English

    Gen Re has just released the results of the 2013 Critical Illness Market Survey. We have been conducting surveys of the U.S. Critical Illness Insurance (CII) market since 2000 and conducting them in conjunction with the National Association for Critical...

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  • An Early Diagnosis of Challenges Ahead for Critical Illness Insurers

    By Adele Groyer |October 02, 2013|English

    Initiatives to sequence 100,000 individual genomes in the UK and to develop a DNA study of one million Americans will create a vast genetic dataset. There is pressure to return incidental, but relevant, findings to participants. Despite this aim being...

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  • Critical Illness Valuation

    By Steve Rowley |September 12, 2013|English

    Once a Critical Illness product is developed and sold, insurers are required to complete valuation studies regularly to determine if their pricing assumptions are being met and if the product is sufficiently funded to pay all future claims. For this...

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