Our Perspective
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Genetics and Insurance - One Perspective on Future Directions
By Dr. John Chevers, PHG Foundation (guest contributor)March 15, 2018English
Insurers understand better than most that predicting ill health is more about probability than certainty. The industry’s predictive expertise is developed from objective analysis of medical reports and claim histories. Underwriters never have...
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Assessing Elderly Heart Disease Risk
By Dr. John O'Brien March 08, 2018English Deutsch
The prevalence of cardiovascular disease - hypertension, coronary heart disease, heart failure or stroke - increases with age. Often, multiple cardiac conditions coexist with other illnesses, and this makes risk assessments for applicants aged 70 and...
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Designing Life Insurance Application Forms Fit for Changing Times
By Annika Tiedemann February 27, 2018English Deutsch
When filling out an application for insurance, a person typically faces questions that are comprehensive, somewhat complex, and perhaps even a barrier to getting the business done. This is particularly true of life insurance application forms dominated...
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How Self-Care Changes Where Insurers Find Medical Data
By Dr. Chris Ball February 01, 2018English
Healthcare systems everywhere are under stress from the demands of growing and ageing populations. Providers are looking for novel solutions to maintain or improve healthcare delivery. One approach is to develop health literacy to enable more people...
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Synthesis Analysis - A Robust Statistical Tool for Life Insurance Underwriting and Pricing Research
By L/H North America - Decision Analytics TeamJanuary 25, 2018English
Application questions, health interviews, motor vehicle records, attending physician statements, paramedical exams, blood and urine tests, and prescription histories are common elements of the life insurance underwriting assessment process. This standard...
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Collaboration Can Bring Digital Innovation to Life Insurance
By Ross Campbell January 23, 2018English Deutsch
There is a view that the life insurance business needs to change or to innovate in order to remain relevant and reach new customers; if incumbent players don’t make an environment that appeals to new customers, someone else will step in and do...
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