The expanding presence of Zika virus in Brazil and Latin America and its recent incursion into North America demonstrate the changeable and unpredictable risks posed by infectious diseases. Read More

The pre-existing condition (PEC) exclusion clause, long a staple of health insurance underwriting, has undergone a measure of change; this brief reviews PEC language and governance. 

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Three-quarters of all cervical cancers are known to be caused by two types of human papillomavirus – HPV 16 and 183.  This article will look at assessment factors that need to be considered in product development, underwriting and clai...

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Explore the history and intricacies of Critical Illness (CI) product development. CI definitions must be well-worded with clear claims triggers and kept current with medical science.  Read More

This article explores how the underwriter's perspective can benefit the group product development process.

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Learn more about the intricacies of Critical Illness (CI) product development and review cervical cancer.
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This article compares group life and disability products and how their exposure basis and claim processes contribute to volatility and reinsurance decisions Read More

Elders age 65 and above are fast becoming a dominant population in Asia, leading to rising incidence of hypertension, obesity, stroke and Type 2 diabetes. Read More

The holiday season provides an excellent opportunity to reprise a peculiar life insurance application that first arrived on our desks in 2015. How do you provide an accurate risk assessment of an elderly, obese, former smoker who flies experimental aircraft in danger...

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A growing economy, the issuance of guidelines and a sizable Muslim population mean that takaful has the potential to become a strong segment of Nigeria’s insurance sector. 
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Many questionable disability claim durations are driven by claimant fear and misconceptions. Anxiety, feeling as if they have lost control over their lives, and being unfamiliar with and intimidated by trying to navigate disability and medical systems create needless...

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Medicine continues to develop at a rapid pace. This article explores these developments and their impacts on life insurance.  Read More

Microinsurance, or insurance for the low income and mass market, is a fast-emerging financial service taking advantage of low current penetration rates and the increasing need to protect emerging consumers from financial shocks. This article explores the opportunities a... Read More

RGA partner ITDS Business Consultants presented the first survey of European insurers’ use of social media. Read More

A key focus of the valuation function is the calculation of policy liabilities in respect of business that an insurer or reinsurer has on its books and to reserve appropriately to meet these liabilities.  This article explores the role of data in that tas... Read More

The survey shows that trends in the EMEA life insurance market aren’t much different than the rest of the world — but for one interesting difference. As elsewhere, insurers in Europe experience slow product development and could benefit from greater product support a...

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This article describes the use of big data in developing a credit-based model in the United States. 

 

 

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Solvency II finally and irrevocably went into effect on January 1, 2016 after more than a decade. This article examines ways not only to comply but to thrive in this new environment. 
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The search for growth in a low interest rate environment, combined with excess capital and regulatory developments, has prompted insurers to seek inorganic growth opportunities. RGA investigates emerging drivers behind larger insurer deals. Read More

RGA partner ITDS Business Consultants presented the first European survey of insurers’ use of social media in 2015. This article explores the results based on a survey of 15 major European insurers from nine nations.  Read More