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

Description: Answering the question: Do you think that genetic information is different, and if so, should insurers handle it differently from other medical information?

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: Medical/Technological Advances

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

Description: This paper covers two topics of discussion within the insurance field: Medical Expense Insurance and Underwriting. From Transactions of Society of Actuaries 1959, Vol. 11, No. 31.

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: The purpose of this paper is to provide a unified theory for the evaluation of underwriting requirements where this evaluation is based on the measurement of the levels of mortality costs associated with such requirements. A discussion of this paper is included.