Description: The article looks back at the development of life protection product underwriting and pricing in UK. It describes the development in waves of change, looking at different drivers, e.g. consolidation of the life insurance industry, the role of technology as a driver for efficiency gains via electronic underwriting. Different levels of sophistication are being discussed and possible implications for the relationship between direct offices and reinsurers. This rather thought provoking article is based upon Munich research as well as market experience and ties in with a number of current topics as for example potential changes as a result of the Retail Distribution Review and the Gender Directive implementation.

Description: Presented at May 2005 Spring Meeting. Panelists discuss the insuring of the aging population in respect to assessment of the health of the insured and resulting mortality costs.

Description: As companies implement PBR, this article outlines challenges regarding the treatment of accelerated underwriting under VM-20 and in light of future innovation.

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.

Description: The article focuses on the use of predictive analytics in the development of experience studies, pros and cons of using predictive analytics versus traditional techniques, and the implications for setting assumptions and improving profitability.

Description: Panelists discuss underwriting issues as they relate to: re-entry term products, preferred/standard-risk classifications, single-premium products, simplified-issue markets, and jumbo face amounts requiring careful financial underwriting and care about alcohol and drug abuse. From the 1987 Record of Society of Actuaries, Vol. 13, No. 2.

Description: This panel discussion session looked at recent and proposed regulation of life insurance underwriting. Specific topics included: i. Problems with traditional underwriting classifications: privacy, disclosure, anti-discrimination, etc. 2. New and acceptable classifications: smoking, lifestyle, build, blood pressure, finances, etc. 3. Possible transition problems: existing policies, persistency, coordination of previous data with newer classes, etc.

Description: Feature article describing how the Society of Actuaries (SOA) partnered with the Association of Home Office Underwriters (AHOU) and the Canadian Institute of Underwriters to conduct research focused on new medical tests and markers that may have significance and relevance to the life insurance markets to get a sense of where underwriting practices are going in the future.

Description: The article provides several examples of projects led by actuaries who are applying advanced data analytics and big data to solve industry-specific business problems.

Description: Discussion of financial underwriting issues and methods for individual life insurance. Followed by discussion papers submitted by several authors