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Perspective

Our Perspective

  • How to Get Better at Critical Illness Pricing

    By Adele Groyer |January 17, 2013|English

    Critical illness policies in the UK commonly use definitions that are based purely on the fact of a diagnosis, rather than the severity of the diagnosis. It means that advances made in diagnostic methods can influence claims rates, as well as actual...

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  • Individual Critical Illness Underwriting

    By Steve Rowley |January 09, 2013|English

    Even for experienced life underwriters, Critical Illness (CI) underwriting offers a unique challenge. Michelle O’Neil, Assistant Vice President and CI Underwriter, has put together the following overview outlining some of the ways that CI risk...

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  • Critical Illness Pricing 101

    By Steve Rowley |December 04, 2012|English

    In our prior Critical Illness blog entry we discussed some of the important factors to consider when developing a Critical Illness (CI) insurance product. For this blog entry I’ve worked closely with Cyriac Kottoor, our CI pricing actuary, to...

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  • Critical Illness Insurance - Benefit Eligibility Selection

    By Steve Rowley |October 08, 2012|English

    When developing a Critical Illness insurance product, many important decisions must be made. Unlike other forms of insurance, Critical Illness insurance is unique in that insurers must decide which conditions to cover when developing their product....

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  • Developing a Critical Illness Product

    By Steve Rowley |September 14, 2012|English

    Once a company has made the decision either to enter the growing Critical Illness insurance market or to revise its existing Critical Illness product offerings, the time is right to begin the difficult process of deciding which benefits and product...

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  • What is Critical Illness Insurance - Why is it Needed?

    By Steve Rowley |August 14, 2012|English

    In our last Critical Illness blog entry we discussed how Critical Illness insurance was conceived by Dr. Marius Barnard back in 1983. This entry discusses what Critical Illness is and why it continues to be a much needed product. The time has never...

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