Description: This article discusses whether or not the Preferred risk class wears off over time.

Description: There are certain occasions when the knowledge we have gained in our jobs carries over into our personal lives. For instance, developing insurance products certainly helps when it comes time to buy an insurance policy. Recently, one of the authors had the experience of giving his 91-year-old grandmother, Nanny as she is affectionately called, an Extended Delayed Word Recall DWR test. This article will show that DWR tests are a powerful predictor of mortality in the elderly. As the population ages and more and more life insurance is being applied for at the older ages, having a DWR test in an underwriting arsenal is like comfort food for an actuary.

Description: An interview with Joe Gilmour to share his views on the future innovations in underwriting that will help grow the individual life insurance business.

Description: The authors present a ‘theoretical basis for a computerized methodology for estimating biological age - a measure of time to death.’ The authors discuss how they reproduce the human underwriting of a life insurance company using a computerized methodology. Includes discussion and author’s review of discussion. From Transactions of Society of Actuaries 1983 Volume 35.

Description: A high-level summary of the results of Munich Re's recent Accelerated Underwriting Survey

Description: This article summarizes presentations given at the 1998 Bowles Symposium concerning the use of genetic testing in underwriting life insurance and the medical, legal and ethical issues that arise.

Description: This is a guide to underwriting literature which covers a broad range of underwriting issues and the actuary's role in underwriting.

Description: Analysis of Alzheimer’s Disease as a potential Critical Illness insurance benefit trigger.

Description: Ways of closing the mortality protection gap, by leveraging some of the new technology, data and analytics to reduce the friction in the buying process.

Description: Highlights of the 1997 International Underwriting Congress with an in depth discussion of 1 critical illness policies and 2 Use of population data where little insurance data exists.