As we look ahead, the practice of underwriting is going to become more entwined with the application of new technologies and data sources. We will need to continually refine and integrate facultative underwriting expertise into these solutions to compete and succeed....

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The National Institutes of Health (NIH) defines precision medicine as “an emerging approach for disease prevention and treatment that takes into account individual variability in genomics, environment, and lifestyle for each person. Read More

Is underwriting like a still photograph, a movie, or virtual reality? Georgio Mosis of RGAx Asia shares a fresh perspective. 

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Despite decades of research, the exact causes of MS are still hotly debated, and so are the implications for insurers. MS has no ‘normal course’ of progression and no cure, so it is a difficult impairment to underwrite and price. Read More

Insurtech describes a fusion of insurance, health and wellness, and technology. It is an intersection on the innovation highway, a place where discoveries across multiple disciplines converge to enhance daily lives, even as they upend old business models. Read More

In disability claims management, we are continuously seeking to better understand the physical, psychological and social barriers that contribute to claimants' disabilities and prevent them from returning to work. Read More

Enter TransUnion TrueRisk® Life, a credit-based insurance score that models credit-based behavior and is predicti...

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RGA closely monitors advances in mortality and morbidity research that have the potential to significantly affect our clients.  Events such as the Society of Actuaries' Living to 100 Symposium provide a valuable opportunity to hear from key rese...

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As bariatric surgery advances and becomes more common, it is increasingly being used as a quick-fix treatment for weight-related conditions. This article explores the type of patients who may benefit from bariatric surgery, provides an update on the various surgical tec... Read More

It is February. A time when walking through shopping centres will see you assaulted by plush heart-holding-gorillas and heart-wielding sales assistants, all promising to solve your love woes with heart-shaped chocolates.  Read More

The billions of bacteria residing in the human gut, called “microbiota,” make up an invisible world scientists are only beginning to explore. These bugs might exert far more influence on morbidity and mortality – and insurance medicine – than we ever suspected. Read More

Insurers have taken note, and one innovation – the critical illness (CI) policy – offers a powerful solution to help patients land gently. Read More

In an era of big data, telephonic interviews remain the disability claim analyst's most effective tool. RGA’s U.S. Group Re is developing a new e-learning module and game for clients that coaches personnel on ways to conduct effective claimant interviews.

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Are life insurers worldwide facing increasing challenges in investigating and validating claims? RGA surveyed its claims managers about their thoughts and experiences. This whitepaper reveals internal pressures on claims practices, including;
• Product design and ...

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As more governments liberalize cannabis regulations, the mortality and morbidity impacts of this drug, as well as its potential benefits when used for medicinal purposes, will be of great interest to the insurance industry. Read More

As traditional insurance products become increasingly commoditized, the first impulse for carriers is to come down on price to win business. While competitive pricing is important, continually slashing premiums can lead to unsustainable business in the long term. How th... Read More

In May 2016, The American Association of Clinical Endocrinologists (AACE), the American College of Endocrinology (ACE), and the Associazione Medici Endocrinologi (AME) issued the latest update of their Medical Guidelines for Clinical Practice for the Diagnosis and Ma...

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This article focuses on understanding how seasonality varies by country and region, and how flu and pneumonia mortality correlates with other causes of death.
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Given the pace at which the world’s population is aging, Alzheimer’s disease  may well be the next worldwide epidemic. Alzheimer’s and mild cognitive impairment  present serious challenges to the insurance industry. Knowledge of progression factors cr...

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By focusing on regulations, reasonable expectations, risks and rewards concerning data, insurers can create a better customer experience for policyholders. Read More