Articles September 2019
The Elusive Universal Influenza Vaccine – Are We Any Closer?

Insurers are susceptible to fluctuations in mortality experience due to varying severity of seasonal influenza from year to year. This report will update the reader on the recent developments in the quest to develop the world’s first universal flu vaccine and how thi...

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Puzzle pieces and Cognitive decline
Articles September 2019
The Changing Face of Alzheimer's Disease: Current Knowledge, Areas of Research Interests, Drug Development

Alzheimer’s disease (AD) was first described over a century ago, but it may be time to re-evaluate this devastating disease, look at possible etiologies and focus research in different areas. Ë¿¹ÏÊÓƵAPP's Dr. Lisa Duckett shares current research into prevention and treatmen...

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image of kneepain with image of knee superimposed over human figure
Articles September 2019
Part II: Proposed New Classification and Nomenclature for Chronic Pain

These pain syndromes are conditions related to other diseases, which are the underlying cause(s) of the pain presented. The proposed new ICD-11 codes become relevant as a co-diagnosis when pain issues warrant specific care; that is, when persistent pain becomes a pro...

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Streak of light showing speed with data in graphic collage
Articles September 2019
Data Driven: Ë¿¹ÏÊÓƵAPP Group Life and Long-Term Disability (LTD) Medical Underwriting Practices
Ë¿¹ÏÊÓƵAPP has conducted a global benchmarking survey of U.S. group medical underwriting practices since 2015. An update across 25 major group carriers reveals an industry rapidly automating, accelerating, and digitizing. Read More
Kratom in pills or loose
Research and White Papers September 2019
Kratom: The New Opioid?

In recent years, a substance known as kratom has grown in popularity in the U.S. and the U.K. as it is easy to purchase online and advertised as a ‘legal high.’ Ë¿¹ÏÊÓƵAPP's Hilary Henly explores the consumption, regulation, and risk of this increasingly popular plant-based...

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HIV Finger Stick Blood Test
Research and White Papers September 2019
The HIV/AIDS Epidemic – What’s New (Part I)
Survival for infected individuals continues to improve as newer, less toxic drugs and simpler one-tablet daily regimens are increasingly available. Ë¿¹ÏÊÓƵAPP's Hilary Henly explores what underwriters need to know about HIV in part one of a two part series. Read More
Digital fraud and lock over silicon chip
Articles September 2019
Fighting Fraud Today and Tomorrow: Data-Driven Detection for Life Insurance
Ë¿¹ÏÊÓƵAPP's Dr. Linhui Dong examines the future of fighting fraud and how predictive analytics can play a role in protecting insurers and consumers. Read about how leveraging the latest technologies can provide a strong defense. Read More
Articles September 2019
Art or Science? Cultivating the Next Generation of Underwriting Talent Holds the Key

Life underwriting professionals are experiencing a paradigm shift in modus operandi, driven by the introduction of automation initiatives. Multiple consulting studies and analyses indicate that automation in underwriting is a valid business need. The coevolution of h...

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Lifestyle Mortality
Videos September 2019
Lifestyle-Related Mortality

Contact  Ë¿¹ÏÊÓƵAPP's research team to learn more about the rise of chronic and non-communicable disease linked to lifestyle behaviors, and mortality risk. 

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Individual being swabbed for genetic test
Articles September 2019
Polygenic Risk Scores: Quantifying the Inheritability of Common Diseases
Large-scale cohort studies such as the UK Biobank are helping scientists build powerful prognostic models for a number of diseases, including breast cancer and coronary artery disease, and hastening the development of a new tool for quantifying the inheritability o...
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Alzheimer's disease, Amyloid plaques aggregates, 3d illustration
Publications September 2019
ReFlections Volume 48, September 2019
Explore chronic pain, Alzheimer’s, the influenza vaccine and more.
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Stethoscope placement over wallet
Articles August 2019
Digital Healthcare and Taming Medical Inflation Part I: A global problem, but is there a global solution?

This is the first installment in a two-part series of articles about rising health care costs and digital technology’s potential for developing a solution. Part I outlines major causes of medical inflation; Part II will explore digital approaches to addr...

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Articles August 2019
Accelerated Underwriting: Checking the Gauges
Carriers are shifting focus from developing and launching an accelerated underwriting program to employing strategies to more effectively monitor and manage such an initiative. Ë¿¹ÏÊÓƵAPP's Taylor Pickett and Ryan LaMar Holt explore important actuarial considerations in the So... Read More
eye on fraud and digital fingerprint
Research and White Papers August 2019
Life and Health Insurance Fraud: An Industry Overview

There is no single tool capable of defeating insurance fraud. In a wide-ranging paper and guide, Ë¿¹ÏÊÓƵAPP shares insights into fraud detection and prevention trends, techniques, and technologies at the Ë¿¹ÏÊÓƵAPP Fraud Conference. Insurers must be proactive and prepared to adapt...

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Chessboard
Articles August 2019
Stalemate to Checkmate: New Data and Multivariate Methods Transform E-underwriting
The pressure is on for carriers to provide the best customer experience, while implementing consistent, comprehensive and accurate underwriting policies.  Advanced e-underwriting systems can help insurers respond.
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Videos August 2019
How to Get Real Results in Predictive Analytics

Contact Ë¿¹ÏÊÓƵAPP's research team to learn more about data science, predictive analytics, and insurance.  

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Digital fraud: illustration of data loss
Articles July 2019
Combating Life Insurance Fraud in a Digital World
As personally identifiable information proliferates and life carriers digitize, fraud is an ever-present and growing risk. In a candid interview, representatives from LIMRA and LOMA preview their upcoming presentation for the Ë¿¹ÏÊÓƵAPP Fraud Conference.&... Read More
Typist with social media figures superimposed
Articles July 2019
Social Mania: The Impact of Likes, Posts, and Swipes on Insurance

Interested in learning more about social media and insurance? Contact us. And don't forget to follow Ë¿¹ÏÊÓƵAPP on 

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Articles July 2019
Fudge: Bias in Group Pricing in South Africa
Ë¿¹ÏÊÓƵAPP South Africa shares nine group disability pricing fallacies that can lead to problems. While the pressure to remain competitive is a reality,  the industry should guard against unconscious bias and motivated reasoning. Contact  Read More