Our Perspective
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The Going Gets Tough in the Individual Disability Market
By Lisa Bolduc June 27, 2014English
On face value the Individual Disability insurance market had a positive year in 2013, with new sales premium growth of 1.5% and policy growth of 2.5%. But dig deeper into Gen Re’s recently released 2013 U.S. Individual Disability Market Survey...
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Group Disability and Term Life Survey - First the Good News
By Marcy UpdikeJune 04, 2014English
There were many encouraging results to report in this year’s U.S. Group Disability and Group Term Life Market Survey. After all, each of the products - LTD, STD and Life - saw positive growth in sales and in-force premium. This hasn't always...
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Critical Illness As a Supplement to Disability
By Steve Rowley February 16, 2014English
Only two things are needed to successfully sell any insurance product. The first is a belief in the product itself: A deep belief that you are doing a disservice to the community if you don't get the word out about the importance and necessity of the...
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Going Deeper Into German Data Pools
By Karin Brendel January 29, 2014English
Gen Re maintains three data pools for the German Life/Health market covering mortality, disability and annuity sales. By monitoring these important life insurance products, we can uncover trends relating to morbidity, mortality and incidence rates as...
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Thoughts on Group Insurance - A New Year's Resolution
By Drew KingJanuary 24, 2014English
Readers of this blog have probably noticed a recurring theme when I write about the challenges facing the group insurance industry: Most (but not all) group insurance companies have very little data about the individuals covered by their plans. They...
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Time To Take a Reality Check on LTD Pricing
By Jena Breece January 16, 2014English
Pricing long term disability (LTD) policies is complex enough, what with projecting incidence rates and claim termination rates, as well as Social Security and other offsets. But another increasingly crucial factor gets less attention - pricing for...
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