Our Thoughts
Archive
General underwriting
Alternative medical evidence
Article considers the alternatives to the traditional sources of information used in the UK
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Underwriting – a flawed process I
The risk selection process and some of its current imperfections
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Underwriting – a flawed process II
How the risk selection process might be improved especially for disability income and CI
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Mortality at younger ages
A review of accident mortality at young ages
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Mortality – the cohort effect
A discussion of the cohort effect of people born between 1925 and 1945
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Redefining standard and impaired risks
With the increasing prevalence of obesity and the use of statins does the standard risk need to be reassessed?
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Decisive initial underwriting
A discussion on effective proposal form underwriting
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Market trends
Extra premiums and falling term rates
Observations on how the pricing of substandard risks may need to change
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Non-disclosure
Non-disclosure
A presentation by Susie Cour-Palais given in May 2007
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Smoking non-disclosure
A report on smoking non disclosure in the UK in 2007
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Products
Disability risk management
Consideration of how to better manage the disability risk
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Rules engines
Rules based systems
Some general observations on rules based systems
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Tele-interviewing
Tele-underwriting – validation of applicant identity
How the identity of the person being tele-interviewed might be validated
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Getting the most out of tele-underwriting
Pointers for a successful tele-underwriting implementation
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