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  • Contemporary Risk Appraisal
    essentially any costs associated with the test, direct costs or otherwise, including kit costs, paramedical ... five years ago she worked in underwriting on the direct side, so she has been in reinsurance for the past ...

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    • Authors: Application Administrator, Mary Broesch, Thomas Ashley, Sharon Smith
    • Date: Oct 2004
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Underwriting - Life Insurance
  • Classification Areas
    slightly over half offered standard ADB and medical care coverage, and slightly under half standard waiver ... is he allowing insurance to perform one of its primary social benefits. Others, although they cry "discrimination" ...

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    • Authors: Robert D Bergen, Darrell W Ehlert, Harry L Sutton, Harry A Woodman
    • Date: Apr 1978
    • Competency: External Forces & Industry Knowledge; Technical Skills & Analytical Problem Solving
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Health insurance; Life Insurance>Underwriting - Life Insurance; Public Policy
  • Beyond AIDS
    in the U.S. with coronary care capability, i.e., specialized coronary care units (CCUs). Estimates are ... reduction in cigarette smoking, 13.5% to coronary care units, 10% to medical treatment of ischemia heart ...

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    • Authors: Melvin C McFall, Gregg R Sadler, Robert J Spellman, Henry C George
    • Date: Jun 1988
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Demography>Mortality - Demography; Life Insurance>Underwriting - Life Insurance
  • They Came for AIDS, They Stayed for Liver [Laboratory Testing in Risk Selection]
    insurance program. The second piece of advice is use direct mail and other delivery systems that exclude agents ... all of them. What I want to know is, why should I care about lab tests and where does this stuff come from ...

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    • Authors: Application Administrator, Vera F Dolan, Henry C George
    • Date: Oct 1996
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Underwriting - Life Insurance
  • Term Insurance Developments
    important. Demographics, in my opinion, are the primary determiner of persistency and mortality. Not everybody ... a temporary need, it has to be a salesperson's primary product. Otherwise it is sold only to those people ...

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    • Authors: Armand de Palo, Kin K Gee, William Schnaer, Ronald A Colligan
    • Date: Apr 1991
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Reserves - Life Insurance; Life Insurance>Underwriting - Life Insurance; Public Policy
  • Impact of AIDS on Company Operations
    homogeneous risk group, whereas actually there are two primary risk groups at present: IV drug abusers and male ... groups, including sexual partners of those in the primary risk groups. It would be extremely difficult to ...

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    • Authors: Michael Cowell, John B Dinius, Ardian Gill, Douglas Szper, Nancy J Wing
    • Date: May 1988
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Demography>Mortality - Demography; Life Insurance>Underwriting - Life Insurance
  • Less Underwriting: More Profits or More Problems
    Milliman U.S.A. with a focus on life, long-term care and annuity product development, as well as on the ... insurance industry; about half of that time on the direct side and half working for reinsurers. Doug has ...

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    • Authors: Carl Friedrich, Douglas A Ingle, Edward Hui
    • Date: Oct 2003
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Underwriting - Life Insurance
  • Mortality Experience and Underwriting Standards
    amounts are normally larger face amounts, over the direct company retention, and so normally are not the ... lapsation and the level of underwriting have a very direct impact on the mortality results. Term 100 products ...

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    • Authors: Application Administrator, Crispina Caballero, Stewart Citroen, Alexander Jardin
    • Date: May 1991
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Experience Studies & Data>Mortality; Life Insurance>Underwriting - Life Insurance
  • The Impact of Second-Hand Smoke
    focused more on the cost aspects, whether it's health care cost or the mortality cost aspects of the exposure ... Robertson did recently looked at the additional health care costs of smokers. It didn't consider secondary ...

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    • Authors: Timothy Harris, Jess L Mast, Charlotte A Lee
    • Date: May 1997
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Health & Disability>Health risks; Life Insurance>Underwriting - Life Insurance
  • Millennium Underwriting
    activities-health insurance, disability, long-term care, critical illness insurance­ what we think we project ... will affect us. the Internet, site sales, and direct mail distribution (which is not new, but growing) ...

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    • Authors: Application Administrator, Henry C George, H Michael Gaines
    • Date: Jun 1998
    • Competency: External Forces & Industry Knowledge
    • Publication Name: Record of the Society of Actuaries
    • Topics: Life Insurance>Underwriting - Life Insurance; Technology & Applications