Our Thoughts
Archive
General underwriting
Treating customers fairly (TCF)
If treating customers fairly isn't part of its DNA, will a raft of TCF regulations really help the consumer?
Click here to read more
A question of family history
Our thoughts on one company's decision to remove family history questions from some application forms.
Click here to read more
Outsourcing
We consider some of the current risks inherent in some of the outsourcing models currently in use.
A global view of tele-underwriting
What it says on the tin. Susie Cour-Palais' presentation to the 2009 Society of Actuaries conference.
Click here to read more
Gut feel
Part of the art of underwriting? We look at this time-honoured fall-back for difficult cases in the context of the modern world.
Click here to read more
TPD: RIP or what's in a name?
The Association of British Insurers' review of TPD has drawn to a calose and we comment on the content of the final consultation paper and the new name for the product.
Click here to read more
Total and permanent disability
Seems like a great benefit but it's difficult to make it work satisfactorily. We discuss why.
Click here to read more
TPD - a closer look ... and now a brief update too
We reflect on the UK Association of British Insurers' proposals for improving TPD in the context of critical illness cover.
Click here to read more
To read the brief update to this article Click here to read more
Alternative medical evidence
Article considers the alternatives to the traditional sources of information used in the UK
Click here to read more
Underwriting – a flawed process I
The risk selection process and some of its current imperfections
Click here to read more
Underwriting – a flawed process II
How the risk selection process might be improved especially for disability income and CI
Click here to read more
Mortality at younger ages
A review of accident mortality at young ages
Click here to read more
Mortality – the cohort effect
A discussion of the cohort effect of people born between 1925 and 1945
Click here to read more
Redefining standard and impaired risks
With the increasing prevalence of obesity and the use of statins does the standard risk need to be reassessed?
Click here to read more
Decisive initial underwriting
A discussion on effective proposal form underwriting
Click here to read more
Market trends
Extra premiums and falling term rates
Observations on how the pricing of substandard risks may need to change
Click here to read more
Non-disclosure
Non-disclosure
A presentation by Susie Cour-Palais given in May 2007
Click here to read more
Smoking non-disclosure
A report on smoking non disclosure in the UK in 2007
Click here to read more
Products
Disability risk management
Consideration of how to better manage the disability risk
Click here to read more
