Our thoughts

We were musing the other day about how to deal with smoking, pondering matters like: If an applicant says he or she smokes x cigarettes a day, can you believe that? How do you deal with cigar and pipe smoking? Should you ask about inhaling? How much does size of cigar count – for example cheroot or cigarillo versus fat Romeo y Julieta? What about ‘rolling your own’ (possibly a mainly British working class thing)? And what is the equivalent in loose tobacco (for pipes and ‘roll-ups’) of a pack of 20 cigarettes? Of course some brands of cigarette are…

Nowhere in the world is the underwriting process as sophisticated as it is in North America. Nowhere else are underwriting decisions based:   So frequently on laboratory analysis of blood, urine and oral fluid Routinely on modern assays such NT pro-BNP On MIB information – the MIB is unique, certainly as regards the level and detail of information On MVR information – these databases are unique On Rx databases – again unique So frequently on tele-interviews.   And nowhere else do vendors offer such a wide range of integrated services – tele-interviews, medicals and paramedicals, large-scale, rapid-turnaround lab testing, APS…