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 October 1986 Annual Meeting. This session discussion is about the impact of the AIDS epidemic, legal challenges to risk classification practices, impact on practices resulting from these challenges and from trends in areas such as preferred risks and guaranteed issues, possible future developments in underwriting and risk classification and how they may impact product design and marketing.

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

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: This is an article that has excerpts from each of the four winning papers of a contest sponsored by the Society of Actuaries on the subject of visions of the life insurance industry in 2020.

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: 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 article describes an interesting decision entered by the Florida Supreme Court. It was held that an insurance company’s failure to investigate circumstances relating to the issuance of a life insurance policy- where the company received notice of the beneficiary’s murderous intentions- constituted a tort under Florida law for damages arising from the beneficiary’s attempt to murder the insured in order to collect the benefits.

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 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