Description: Article discussing a research project to determine the risk selection efficacy of e-underwriting in conjunction with the use of e-data such as MIB, MVR and prescription med history.

Description: This article is based on a presentation made by the author at the Spring 2005 meeting of the Society of Actuaries. In a survey conducted in early 2005, many managers of simplified underwriting programs said that they were upgrading or testing products utilizing new underwriting tools. This article discusses the survey and lessons to be learned.

Description: This article discusses new tools to underwrite faster, cheaper and better in order to be more profitable and also market to the middle market.

Description: This is an article that has excerpts from each of the four winning papers of a contest sponsored by the Society of Actuaries on the subject of visions of the life insurance industry in 2020.

Description: This article provides a summary of “Insurance Coverage for ALL: And How Insurers Can Afford to Provide It”, a session at a recent SOA meeting.

Description: This article explains how one company, American Life of New York, is using innovative applications to improve and speed the underwriting process.

Description: This article discusses jet issued life insurance, which marries the speed and simplicity of a simplified issue product with the higher face amounts and competitive premiums of a fully underwritten product.

Description: This article explains how the use of technology and data can help a company be successful in the simplified issue life insurance market. Prescription drug profiles are a valuable new source of data for this purpose.

Description: This article is about the concept of the Sentinel Effect SE—that selfselection process which directs unhealthy insurance applicants to apply for coverage at amounts where testing is not done, thereby minimizing the chances that their afflictions will be discovered.

Description: Discussion of the selling of life insurance to the middle income market through banks and with the support of new technologies and underwriting processes.