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

Description: Analysis of Alzheimer’s Disease as a potential Critical Illness insurance benefit trigger.

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

Description: Key findings from Milliman's 2019/2020 UL/IUL survey. Provides benchmarking for UL/IUL competitors relative to trends in the industry.

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

Description: There are certain occasions when the knowledge we have gained in our jobs carries over into our personal lives. For instance, developing insurance products certainly helps when it comes time to buy an insurance policy. Recently, one of the authors had the experience of giving his 91-year-old grandmother, Nanny as she is affectionately called, an Extended Delayed Word Recall DWR test. This article will show that DWR tests are a powerful predictor of mortality in the elderly. As the population ages and more and more life insurance is being applied for at the older ages, having a DWR test in an underwriting arsenal is like comfort food for an actuary.

Description: The current coronavirus pandemic has caused a number of challenges for life insurers and this article summarizes the operational challenges, namely in two areas. First, the article will discuss the challenges companies are facing to collect traditional underwriting evidence and potential short-term solutions used to overcome these limitations. Second, the actions companies are taking to alleviate the financial difficulties customers may have paying premiums will be addressed.