Our Perspective

  • Discover A New Approach To Disability Products

    By Kathrin Westenhoff |July 19, 2013|English

    Conventional disability products in Germany don’t always represent the best cover for more risk-laden occupational groups, largely because they have developed to a high-performance category and have relatively high premiums due to differentiation....

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  • Big Wins From Big Data

    By Karin Neelsen |July 08, 2013|English

    Gen Re began collecting portfolio data from German life insurance companies around 20 years ago with a view to obtaining detailed insights into the market’s claims experience around mortality and disability products. For the insurers that contributed...

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  • Critical Illness Claims Adjudication

    By Steve Rowley |June 12, 2013|English

    Critical Illness claim adjudication is an important part of the risk management process. As such, it is important to recognize the unique skills required to properly adjudicate a Critical Illness claim so that the insurer provides fairly the benefits...

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  • Individual Disability Insurance Market Delivers in 2012 - But Challenges On The Horizon

    By Drew King|June 03, 2013|English

    According to our latest U.S. survey of the sector, 2012 was a pretty good year for most carriers operating in the Individual Disability insurance industry. For the second straight year, total new premium growth was over 5%. These positive results were...

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  • Survey - Group Business Rebounds

    By Drew King|May 16, 2013|English

    Our recently released U.S. Group Disability (LTD and STD) and Group Term Life market survey shows that sales premium growth bounced back in 2012, outperforming experience in recent years. Combined total Group LTD and STD new sales premium for participating...

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  • 800,000 Claims and 250 Million Life Years From the German Market – A Life actuary’s dream

    By Karin Neelsen |January 04, 2013|English

    Understanding past morbidity experience and making appropriate assumptions for the future are traditional functions of many life insurance actuaries. With falling interest rates and the growing availability of data, the importance of data analyses comes...

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