Perspective

Our Perspective

  • Critical Illness - Group Participation Success Factors

    By Steve Rowley |April 10, 2013|English

    Our last two Critical llness blogs focused on the challenges associated with multilife underwriting as it pertains to CI insurance. Both highlighted the importance of participation levels on voluntary cases. This entry focuses on some of the more...

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  • Critical Illness: Guarantee Issue and the Law of Large Numbers

    By Steve Rowley |March 04, 2013|English

    Our last blog outlined some of the challenges of multi-life underwriting for Critical Illness in the U.S.. This post focuses more narrowly on the need for required participation levels. Every multi-life underwriter knows that each group encompasses...

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  • Multilife Critical Illness Underwriting

    By Steve Rowley |February 13, 2013|English

    Multilife CI underwriting in the U.S. currently presents some greater challenges than are present in other lines of voluntary worksite/group business. Critical Illness, as the proverbial “new kid on the block,” is not well understood by...

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  • 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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