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With advances in machine learning and artificial intelligence coming with increasing speed, could the basic human component of clinical medicine – the relationship of the patient with the doctor and other clinicians providing services – be in danger of obsolescence? ˿����ƵAPP... Read More

When it comes to Electronic Health Records (EHRs), for some time now life insurers have wondered when or if EHRs would become a reality. This is no longer in question, and ˿����ƵAPP's Sue Wehrman now explores the question of how the industry will use this new technology.

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In this issue of ReFlections, ˿����ƵAPP's Lund and Wu explore the relationship between iodine and thyroid disorders, the updated clinical risk classification of thyroid cancer stages, and the possible impact of these changes on the insurance industry.

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Can you teach a machine to learn? The future of insurance – and many other industries – may rest upon the answer. ˿����ƵAPP's Jeff Heaton discusses the promise of AI ... and the limitations. Follow Jeff on Read More

Rod Serling has nothing on ˿����ƵAPP’s Melissa Tilford and Mary Johnson. These experts explore the jobs of the future and the implications for today's group underwriters.

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In this issue, explore topics from iodine and thyroid disease to A.I. and Electronic Health Records.
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There are few industries in the world where behavioral science can have more positive impact than the life and health insurance industry. But how do you get started? ˿����ƵAPP's Matt Battersby shares two approaches in the second half of his wide-ranging overview of behavioral... Read More

Now is the time for life and health insurers to apply behavioral science to help solve problems, such as underinsurance, inaccurate disclosures, and unhealthy lifestyles. ˿����ƵAPP behavioral scientist Matt Battersby explores why people make the decisions they do -- and wh...

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“Where will we see the most innovation in the life insurance industry in the next three years?”  ˿����ƵAPP's Jared Godwin asked this question at the annual conference of the Actuarial Society of South Africa. The answers are illuminating. 

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In the US, effective April 1, 2018, the US Department of Labor (DOL) passed updated regulations for employer-sponsored benefit plans subject to Read More

The consideration of taxes in the context of Loss Absorbing Capacity of Deferred taxes (LAC DT) can reduce the SII capital requirements substantially. Under certain circumstances effective use of reinsurance offers some advantages, and this article explains how this can... Read More

˿����ƵAPP's Tamer Saher offers a cogent analysis of the current USD$20 billion takaful market, including its evolution and current state. Read More

Technological advances in biosensors and increasing amounts of heart rate data from wearable devices and electronic health records are leading to the development of more sophisticated underwriting algorithms. This data, when coupled with robust epidemiological evidence ... Read More

Asthma affects individuals differently. Consequently, one treatment does not fit all. This article looks at traditional methods of managing this disease, as well as describing some of the newer medications being used, and possible alternative treatments that are current... Read More

˿����ƵAPP offers a thoughtful look at the future of the rapidly changing markets of Central and Eastern Europe. Based in Warsaw, ˿����ƵAPP CEE...

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As insurers develop accelerated underwriting programs and take steps toward more efficient processes, lower costs, and a streamlined customer experience, innovations across the insurance industry are helping to improve 

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India’s life and health markets continue to be vibrant with potential as well as challenges. Mr K.S. Gopalakrishnan of ˿����ƵAPP India, looks at the current and future while evaluating the growing role of digital. ˿����ƵAPP is the 2017 and 2018 winner for Life... Read More

Concepts such as happiness and pleasure and how they are seen through the lens of behavioural economics are emerging as increasingly important for life insurers looking for ways to innovate their products and services. ˿����ƵAPP Global Reinsurance – Escritório de Representaçã... Read More

As the number of diabetics continues to grow worldwide, how can life and health insurers cover more of this population? ˿����ƵAPP's Dan Lyons and Neill Muller offer a cogent analysis. As a global reinsurer, ˿����ƵAPP has a thorough understanding of diabetes-related products current... Read More

For insurers and HMOs looking to enter the self-insurance market, the road ahead may appear daunting, but a new solution from ˿����ƵAPP can help pave the way.

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