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: An overview of Electronic Health Records and how they will enhance risk assessment and automated underwriting in the US.

Description: This article explores implications for the future of improving the application of existing underwriting techniques and and taking maximum advantage of new technologies.

Description: In the wake of the pandemic, much of the insurance industry is now endeavoring to find sustainable, longer-term solutions among many forced innovations – and to ensure that temporary adaptations add value beyond mere change.

Description: The sentinel effect in the underwriting process refers to the tendency for unhealthy individuals to apply for insurance coverage where testing is not performed. The article reports on evidence of the effect with respect to cocaine and tobacco use and HIV positive prevalence

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: This article summarizes the findings of the 2020/2021 Milliman UL/IUL/VUL survey. The survey covers a range of specific product and actuarial issues and the results provide a good tool for benchmarking

Description: The article summarizes results of a Milliman survey per the title. These products comprise about 40% of the total individual life market, and the survey covers a range of topics on these plans, which should be of interest to a large portion of the life industry.

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

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