Description: This session at the SOA 1990 San Francisco Spring Meeting presents an overview of risk classification, what principles define a sound system, changes in underwriting due to expert system technology, and determining the value of laboratory tests.

Description: Milliman Risk Score will now consider an applicant's Rx and Credit Data. RGA has developed a comprehensive DHD platform and scoring algorithm to transform raw DHD into actionable underwriting assessments. Both new tools will be presented.

Description: Session 176: The Future of Medical Records in Underwriting

Description: This presentation is a concurrent session from the 1991 Meeting of the Society of Actuaries, held April 18-19 in New Orleans. The panelists discuss level term insurance, preferred risk underwriting, and the impact of proposed NAIC Actuarial Guideline XXX on statutory reserves. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 1.

Description: This discussion on underwriting looks at the evidence supporting rules requiring medical examinations, special heart reports as supplements to regular exams, home office urinalysis, electrocardiograms and chest X-rays, attending physician statements and inspection reports. From Transactions of Society of Actuaries 1955, Vol. 7, No. 19.

Description: This presentation from Session 20PD of the SOA 1996 Orlando Annual Meeting examines the major trends in insurance laboratory testing from 1980 to 1985, with an emphasis on why blood testing thresholds were lowered dramatically in the mid-1980s and why those thresholds will persist into the next century. The value of liver function testing is examined as a case study in protective value. Issues addressed include: 1. What is the real impact of human immunodeficiency virus [HIV]-1 testing [sentinel effect]? 2. The unique pay-offs from liver function tests, 3. Clinical medicine mortality versus underwritten mortality: overcoming problems caused by different perspectives, and 4. Cotinine pays the freight? From the Record of the Society of Actuaries, Vol. 22, No. 3.

Description: This presentation is an open forum from the 1991 Annual Meeting of the Society of Actuaries, held October 20-23 in Toronto. The panelists, including a member of the Association of Life Insurance Medical Directors, and a vice president of the largest insurance testing lab, Home Office Reference Lab, discuss new underwriting technologies, including genetic testing, alternative AIDS testing methods, and the legal and other implications. Discussion from participants is included. From the Record of Society of Actuaries, Volume 17, No. 4A.

Description: Discusses: [1] using blood tests effectively to improve mortality results, [2] using expert underwriting systems, and [3] what the future may hold for genetic underwriting. From the 1988 Record of Society of Actuaries, Vol. 14, No. 4A.

Description: Medical and underwriting experts discuss medical developments and underwriting practices that could improve mortality rates and risk classification, respectively, in the future. From the 1988 Record of Society of Actuaries, Vol. 14, No. 3.

Description: This discussion at the SOA 1997 Palm Desert Spring Meeting looks at issues related to second-hand smoke including the negative health effects and underwriting implications.