Our Perspective
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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 Neelsen 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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Critical Illness Claims Adjudication
By Steve Rowley June 12, 2013English
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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