Although most disability claimants accurately report their symptoms and limitations during an independent medical examination (IME) it is a fact of life that not all claimants are credible. For this reason, psychologists use a range of psychological tests to objectiv...

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Malignant Gastrointestinal Stromal Tumours (GISTs) represent less than 1% of GI cancers. Hematogenous metastases from GIST most commonly involve the liver, omentum, and peritoneal cavity. Learn more about challenges associated with adjudicating these claims. 

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For most insurers, experience of death claims will be limited to their home or neighboring countries. When a death claim occurs in a foreign territory, assessors can confront many challenges. This article summarizes the Global Underwriting Manual proprietary Overseas De... Read More

Life insurance new product development continues to be negatively impacted by long lead times; in mid-2014, RGA sought to assess and quantify these issues. Read More

Many life insurers will be familiar with the concept of a contestability period. Typically, for two to three years after a policy is issued, an insurer can investigate and deny a claim due to undisclosed material information. This article examines the implications of...

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What factors affect India’s life insurance market growth?

• Misselling and fraud
• Need for smaller premium policies
• Lack of access to capital
• Regulation
• Growth in bancassurance

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The battle over whether the industry could charge sex-distinct rates was waged in the longevity products arena in the United States. This article explores the history.   Read More

Explore issues of ReFlections published from 2000 to 2015. 
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Bladder cancer is a common disease worldwide. Incidence varies across the globe, with the highest burden of disease in developed countries. This article examines observed trends, medical advances and underwriting implications.  Read More

The purpose of this two-part article is to look at biomarkers (with a focus on NT-proBNP) in use or under investigation in the medical world that are not currently widely used in the insurance market. Read More

Long-term care insurance (LTCI) is usually not thought of as an interest-sensitive product. Policyholder behavior, such as filing or terminating a claim or lapsing a policy, is not believed to tie to certain economic triggers Read More

Clear, factual insights into underwriting shisha – the practice of smoking tobacco in waterpipes. Read More

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Mr Martin Houle of RGA Reinsurance Company Middle East Limited looks at how life insurance companies can use predictive modelling to optimise internal data, and the various techniques that may be utilised. Read More

Over the past decade, the “smaller” nations of Southeast Asia have grown rapidly and taken substantial developmental strides, with several becoming attractive markets for life and health insurance. Read More

Wellness programs are gaining popularity as healthcare providers try to lower the costs associated with chronic diseases, employers strive for a healthy workforce, and individuals become motivated to take control of their own health. This article examines the implicati... Read More

The treatment of cancer is undergoing a major period of research and development; this article explores the insurance implications. Read More

The nation's private market was launched in 1991, when health insurance was made mandatory by law for all employers, including private companies. Read More

Based on our global research, bancassurers interested in standalone protection products, or strengthening current offerings, should focus on five strategic work streams.   Read More