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Perspective

Our Perspective

  • 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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  • Selling Critical Illness Insurance

    By Steve Rowley |August 19, 2013|English

    The Critical Illness sales process differs from that of many other personal insurance lines. Producers that market Critical Illness insurance see that it affords them an opportunity to provide true value to the consumer. Insurers and advisors realize...

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  • Critical Illness Compliance Issues

    By Steve Rowley |July 23, 2013|English

    Working through the filing process and addressing various state objections can be a daunting and frustrating task for nearly any insurance product. In the case of Critical Illness (CI) insurance, this task is compounded in many states by their inexperience...

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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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  • Group Critical Illness Pricing Challenges

    By Steve Rowley |May 06, 2013|English

    In our December 2012 blog on Critical Illness Pricing 101, we discussed some of the steps needed to develop population incidence rates for initial claim cost and the consequent adjustments made, based on underwriting and benefit trigger definitions....

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  • 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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