Digital Insurance

2019-08

3 ways life insurers can embrace the nuances of digital marketing

Digital distribution is often conceived of too narrowly – something akin to ‘we’ll market via social media’, with little thought behind it. In reality the use of digital has multiple applications right through the whole sales process.

Reinsurance News

2019-06

New Tech enables LH reinsurers to improve risk selection

The growing influence of advanced technology is enabling life and health insurers and reinsurers to improve the efficiency and robustness of the risk selection process, according to Tony Laudato, a Vice President (VP) at reinsurance giant Hannover Re.

Insurance Advocate

2019-04

Getting the Hybrids on the Road

The continued decline of standalone long-term care policies seems inevitable, and the life insurance gap among Americans continues to widen. Hybrid policies offer an obvious solution, and are becoming increasingly popular - but the right approach will be needed for insurers to fully cast off their skepticism.

Insurance Business America

2019-04

What can breathe new life into the waning life insurance industry?

The industry is not thriving as it used to be - the number of US households with life insurance has plunged.

Insurance Innovation Reporter

2019-03

Resuscitating Life Insurance for the Digital Age

Companies that fail to adapt will find themselves scrabbling over an ever-dwindling pie of revenue, but those that do adapt could find themselves at the forefront of a new golden age of life insurance.

Article

Digital Insurance

2019-03

Why Hannover Re advises life carriers to go all-in on real-time.

Article

Think Advisor

2019-01

Could Hybrid Policies save the Long-Term Care Market?

Lingering producer scepticism toward life-LTC hybrids

Article

Insurance Thought Leadership.com

2019-01

2 Problems Present a Big Opportunity

Article

Hybrid Life/LTCi: Breaking Down Barriers and Bridging Gaps

2018-12

Finding the right long-term care plan is a big key to retirement planning, experts say.

Mortality Update: The Ultimate Onion

2018-11

Mortality improvement (MI) is such an easy topic. Mortality has improved for at least 100+ years … what’s so tough about that? But as with most topics like this, it is the nuances and subtleties that make this a very interesting topic to discuss.

Rarely seen in Underwriting: While you were Sleeping…

2018-06

Underwriters must stay informed to remain relevant in today’s past paced, ever changing environment.  Join us for a journey through a brief overview of today’s hottest discoveries which are changing healthcare as we know it.

Reprinted with the per­mission of "On The Risk", Journal of the Academy of Life Under­writing.


Underwriting News – Travel Risks & Life Underwriting

2018-04

Conditions within a country can change rapidly at any given time. When assessing and classifying an applicant’s travel-related risk, it is important for underwriters to review the relevant U.S. Department of State Travel Advisory information in its entirety.


Rarely seen in Underwriting Arrhythmogenic Right Ventricular Cardiomyopathy (ARVC)

2018-03

Arrhythmogenic right ventricular cardiomyopathy (ARVC) is an under-recognized cardiac condition characterized by ventricular arrhythmias and fibrous or fibro-fatty replacement of the myocardium.

Reprinted with the per­mission of "On The Risk", Journal of the Academy of Life Under­writing.


Innovative Risk Solutions for Track 1+, Track 3 & Next Generation ACOs

2017-11

Hannover Re’s innovative reinsurance solutions enable ACOs to pursue shared savings and bonuses while limiting the financial impact of underperforming against the benchmark.


Return on Capital Enhancement Opportunities for the Life Insurance Industry

2017-07

Unlike products sold in most industries, life insurance is the sale of a promise to pay in the future, when vulnerable parties are in their greatest times of need.


Local, Regional and international Association News: Sixth Annual Texas – Wide Underwriting Conference

2017-03

The Sixth Annual Texas-Wide Underwriting Conference (TWUC) was held Wednesday through Friday, October 5-7, 2016, in Waco, TX.


Red Cell Distribution Width (RDW): An Underappreciated Marker for Increased Mortality

2017-03

This article defines red cell distribution width (RDW), its calculation, and factors that influence its level in the complete blood count (CBC).


Hot Notes – Dynamic Change in Underwriting

2016-11

An Interview with Kevin Oldani.


New Life Insurance Underwriting Tools Enable Insurers to Meet Consumer Expectations

LOMA Resource, 2016-10

Many life insurers who are looking to stay ahead of the curve have already adopted accelerated underwriting.


Underwriting news – Credit programs

2016-08

A well-crafted credit program can work. A correct model is consistent with both the fundamentals of underwriting and the latest buzz associated with predictive modeling.


Structured Reinsurance: An Alternative Capital Source for Health Plans’ Initiatives

2016-05

Reinsurance can provide capital for health plans’ strategic initiatives such as funding new business growth or M&A activity.


All-cause mortality by type of motor vehicle violation

2016-04

This paper analyzes all-cause mortality associated with different types of driving violations using data provided by LexisNexis®.


Underwriting Liver Function Tests

2016-03

Routine medical blood testing and insurance screening commonly include tests used to measure the health of the liver called liver function tests (LFTs).


hr | Ascent new release

2016-02

hr | Ascent The global guide for life underwriting - An overview of the February 2016 release and updates


hr | Ascent - ReWard

2016-02

ReWard – An evidence-based credit program in hr | Ascent The global guide for life underwriting


hr | Ascent new release - Frequently asked questions

2016-02

Frequently asked questions on the February 2016 release of hr | Ascent The global guide for life underwriting


Navigating the Changing Landscape

The Actuary, 2015-12/ 2016-01

The applications of economic capital models in multinational reinsurance


Red Cell Distribution Width (RDW)

2015-08-28

Unfortunately measurement of the RDW is not possible in insurance blood profiles due to delays in processing and its effect on the red cell size, but it is readily available in most medical records.


Medical Marijuana: Where are we now?

On The Risk, 2015-06

This article reviews the full spectrum of issues associated with marijuana and its use in the medical environment. Basic facts about the drug, its historical background, and the past and present political issues surrounding its use are discussed.


Introducing Ask an Underwriter

2015-04-24

We would like to introduce users of Ascent a new communication tool that offers direct access to our underwriters.


E-cigarettes and Risk Selection

2015-04-01

Is all smoking the same? Since e-cigarettes are largely unregulated in the countries where they are used, the amount of nicotine they contain is highly variable.


Tele-Underwriting vs. Paramedical Collected Underwriting Information

2015-02-13

ExamOne provided data that allowed us to compare tele-underwriting exam results with paramedical exam results on nicotine use and other medical questions.


Healthcare Finance News - Best Review

2015-02-09

Innovative tools could become more important as organizations seek new ways to innovate, grow, and protect themselves against risk.


Innovation Showcase 2015 - Best Review

2015-01-08

After the number of companies offering Long-Term Coverage (LTC) dwindled, Hannover Life Reassurance Company of America looked to help primary writers re-enter that market.


NTproBNP - An Update and Suggestions on How to Use It

2014-11-19

NTproBNP may be used to help detect, diagnose and evaluate the severity of heart failure.


Underwriting News - Ebola

2014-11-19

The current outbreak is the largest ever recorded and has occurred in West Africa, largely in three countries, Guinea, Liberia and Sierra Leone where, as of this writing, over 14,000 cases with over 5,100 deaths have occurred.


MVR Underwriting Newsletter

2014-11-18

Hannover Life Reassurance Company of America (HLR America) has partnered with LexisNexis to analyze Motor Vehicle Records (MVR) to determine the mortality implications associated with traffic violations.


Health Watch - October 2014

2014-10-29

Opportunities and Challenges for Physician-Led Accountable Care Organizations (ACOs) — A Recap of the ACO Learning Network Workshop.


Results of the 2014 SOA Member and Candidate Satisfaction & Engagement Survey

The Actuary, 2014-10

The Society of Actuaries (SOA) conducted its seventh survey of member and candidate satisfaction and engagement in early 2014.


Highlights of the 2014 AHOU Annual Conference

On The Risk, 2014-09

The Association of Home Office Underwriters AHOU conference included a fascinating talk on the digital revolution in medicine, a look at how the millennial generation is affecting the workplace, an update on the recent DSM-5 changes, a review of stem cell uses and therapies, and an overview of financial underwriting using tax returns.

Reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


Highlights of the 2014 CIU Annual General Meeting

On The Risk, 2014-09

The 28th Annual General Meeting of the Canadian Institute of Underwriters was held May 28-30 in Montreal. Highlights included an informative presentation on surgical mortality, a review of cerebral aneurysms, a keynote address on global trends in the insurance industry, an overview on addictions and what the insurance industry needs to know about them, a review of alpha-1 antitrypsin deficiency and a look at predicting longevity.

Reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


A New Response

Best’s Review, 2014-09

Hybrid life insurance/long-term care product sales are rising, but the industry must pay attention to pricing and risk mitigation techniques.


Closing reserve financing deal puts Primerica on track to executing capital strategy

SNL Financial, 2014-08

Closing Reserve financing deals puts Primerica on track to executing capital strategy Primerica entered into a surplus note purchase agreement with Hannover Life Reassurance Co. of America (Bermuda) Ltd., Hannover Life Reassurance Co. of America and BX8V8J LLC on July 31, 2014.


The Actuarial Profession: Many Roads can Lead to Rome

The Actuary, 2014-06/07

The diversity of educational experience within the Actuarial Profession.


Revitalizing Reinsurance Capacity

Contingencies, 2014-05

Life insurers can't continue to wait for the markets to resolve the impact the financial crisis has had on their capacity.


Hemoglobin as a potential Screening Test

Underwriting News, 2014-04

The management of older age mortality has proven difficult for many companies. Part of the reason for this is because the underwriting requirements that work well for young and middle ages, are not necessarily as effective at older ages. New underwriting tools may help better satisfy risk in the elderly. A cost effective, hassle-free, clinically accepted tool that may help is hemoglobin.


Depression and Anxiety: A Review

On The Risk, 2014-03

  • Reviews the overall spectrum of depressive and anxiety disorders including major depressive disorder, chronic depression, minor depression, dysthymia and the variety of anxiety disorders, with some special attention to post-traumatic stress disorder (PTSD).
  • The basics of suicide are discussed, including its epidemiology and risk factors and how prior suicide attempts influence mortality from a variety of causes. Included in this discussion is the role both depression and anxiety play in the occurrence of suicide.

The article is reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


NTproBNP versus Resting EKGs

Underwriting News, 2014-02

  • NTproBNP is a hormone produced by the ventricles of the heart and is elevated in the setting of ventricular strain.
  • Recent literature has been expanding the correlations associated with NTproBNP.
  • In the life insurance industry, there is increased interest in its use as a replacement for resting EKGs.
  • This paper explores HLR America’s findings and opinions on the use of NTproBNP.

Implica­tions for the Use of Credits applied to Pre­ferred Knock-out Criteria

On The Risk, 2013-12

  • The debit/credit system for asses­sing risk is a corner­stone of indi­vidual life insurance underwriting.
  • This article explores the ramifi­cations of knock-out criteria preferred risk under­writing inter­twined with a debit/credit model.

The article is reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


Interview with Peter Schaefer, CEO of Hannover Life Reassu­rance Company of America

Reinsurance News, 2013-07

  • How do we train new under­writers if we auto­mate the under­writing of the less difficult cases?
  • Sometimes the greatest value we can provide to clients is to help them to avoid a bad transaction.

The Future Is Now

Reinsurance News, 2013-07

Life insurers must care­fully address the premium levels for large term in-force blocks that are now entering their renewal periods.


Thoracic Aortic Aneurysm

On The Risk, 2013-06

This article discusses irregu­larities often seen by under­writers invol­ving the thoracic aorta and the risk of aneurysm.

The article is reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


Middle Market & Simpli­fied Issue – How Simple Is It?

On The Risk, 2013-06

This article touches on a number of factors that should be consi­dered when a carrier is consi­dering a move into the Simpli­fied Issue Market or reviewing an existing Simpli­fied Issue Program.

The article is reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


The Simila­rities Between Life Table Analysis and Multi­variate Cox Models

On The Risk, 2013-03

This article investi­gates the relation­ship between clinical medical research, along with the statis­tical tech­niques applied to those articles, and compares those results to results achieved con­ducting a morta­lity study using life table tech­niques and actuarial mortality tables.

The article is reprinted with the per­mission of On The Risk, Journal of the Academy of Life Under­writing.


The Impact of Life

Best’s Review, 2012-12

How mortality improve­ment affects the life insu­rance industry today.


Point/Counter­point: Should Tread­mill Stress ECGs continue to be used as an “Age/Amount” Screening Test in Life Under­writing?

On The Risk, 2011-12

On The Risk is reintro­ducing a feature which last appeared during the first decade of OTR’s exis­tence – a yearly Point/Counter­point article to encou­rage readers to discuss and research the different points of view that exist regarding specific under­writing topics.


Finding the Bottom

Best’s Review, 2011-07

Cession rates for the life rein­surance market continued to decline in 2010.
New premium was up for direct market writers in the first quarter, but challenges persist.

Article (on viewer.zmags.com)


SCOR deal breathes new Life into the Sector

Reinsurance Magazine, 2011-05

SCOR’s recent acqui­sition of Trans­america Re’s mor­tality business from AEGON has once again high­lighted the attrac­tions of life business to rein­surers who are trying to build multi-line platforms.


High Pressure

Best’s Review, 2011-04

  • Medical stop-loss rein­surance continues to play a vital role in con­taining employers’ health care costs.
  • Managing general under­writers, who origi­nally handled these programs, have lost market share to large direct writers.
  • Health care refor­m and highly disci­plined under­writing tools offer growth opportu­nities to Managing General Underwriters (MGUs).