Perspective

Our Perspective

  • Life Insurance - Underwriting Special Risks - Do you want to be a rock star?

    By Andres Webersinke |November 20, 2012|English

    Is golf a more dangerous activity than cycling? Is a rock musician more likely to live beyond age 27 than a mountain climber?* Life insurance underwriters sometimes face difficult and interesting questions when presented with a special risk. But what...

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  • Assessing Risk in Life Insurance - Case study #5

    By Tony Forte|November 19, 2012|English

    This month’s case study demonstrates the challenge of reading between the lines when assessing risk in applications for Life Insurance. Age: 26-year-old male Amount applied for: $482,000 Beneficiary: Spouse Background: This 26-year-old maintenance...

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  • Assessing Risk in Life Insurance - Case study #4

    By Tony Forte|October 25, 2012|English

    This month’s case study involves aviation activity and home built aircrafts. Age: 48-year-old female Amount applied for: $800,000 Beneficiary: Parents Background: The applicant is a 48-year-old self-employed photographer with a developing...

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  • Wanted: Accurate ‘Dead or Alive’ Data - Assessing Mortality Risk

    By Steve Mannik|October 23, 2012|English

    How do you know if someone is dead or not? That’s not just a question for emergency first-responders. It is important to life reinsurers when assessing mortality risk in populations and it matters when carriers are looking for payable policies. Recently,...

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  • Assessing Risk in Life Insurance - Case study 3

    By Tony Forte|September 24, 2012|English

    For a change of pace, this month’s case study was submitted by my colleague, John Najarian, FALU, FLMI, CLU ChFC, VP and Chief Underwriter of our Group and Specialty Division. John is responsible for leading the underwriting of our Individual...

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  • Assessing Risk in Life Insurance - Case study 2

    By Tony Forte|September 11, 2012|English

    This month’s case study involves a husband and wife applying for Second to Die coverage. Ages: Male, age 61 / Female, age 56 Amount applied for: $1,250,000 Beneficiary: Irrevocable Life Insurance Trust Background: The male is a self-employed...

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