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It happens in all parts of life: The solution we seek is often much closer than we think it is. The same holds true for insurers seeking to increase policy sales. While it is logical to look to the uninsured and seek to expand into untapped populations for new business ... Read More

With a teen driver in my house, safe driving is top of mind. Read More

From the proliferation of digital health data comes a second challenge: that of keeping the data secure.

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Find out what’s new, from hypertrophic Cardiomyopathy to lung cancer to blockchain in electronic health records.

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n extremely high GI or MAX limit suggests a more aggressive or “heated” underwriting philosophy and greater risk tolerance. A more conservative GI/MAX level, on the other hand, can have a chilling effect, potentially rendering both a plan design – and its carrier – unco... Read More

To better understand fraud, ˿����ƵAPP surveyed insurers and researched trends. The result? An analysis that spans definition, prevention, protection, and cost. Investigating Life Insurance Fraud and Abuse explores how insurers are addressing an old problem with new tools, ...

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In just one year, almost  $3 billion were invested in insurtech — in de novo technology and in the brains driving it.  ˿����ƵAPP's Farron Blanc delves into the causes and consequences of past, present and and pending technology revolutions.  Read More

The high costs of orphan drugs have made insuring people with rare diseases particularly challenging for health carriers. Janine Graham and Bonnie Schaumburg shared  insights on this topic and strategies for managing costs at the ROSE® Conference. Contact us&nbs...

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Digitization has changed how we work and consume; blockchain promises to change how we trust. ˿����ƵAPP urges insurers to consider the art of the possible in a useful primer. This article is based on research that won recognition at the International Insurance Society ...

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For too long, e-underwriting technology has not advanced nearly as fast as the rate of new data made available. As we look ahead to the era of artificial intelligence, cognitive computing, and machine learning, ˿����ƵAPP explores how a new solution from  Read More

Advances in bioelectronic technology – and the resulting influx of data – promise to reshape the underwriting process. Preparing today can help insurers capitalize on the opportunities of tomorrow. Contact us to learn more about wearables, wellness, digital...

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��Ҵ�’s ROSE Program is the reinsurance industry’s premier medical and claim consulting program and is available to ˿����ƵAPP clients.  Read More

This article discusses advances in fetal medicine and whether specialized fetal cover might help contain the often catastrophic costs of congenital claims for both parents and insurers.  Read More

˿����ƵAPP's Underwriting Specialties team offers industry-leading underwriting expertise in the trends, guidelines, risks, and ratings associated with ten unique case types, including for professional athletes.

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Ready or not, the Big Data Era in insurance has arrived. If it hasn’t already, the influx of new and enhanced datasets promises to disrupt every link in the insurance value chain – from lead generation to customer retention.

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How much is a life worth? That is a difficult question to answer. Read More

Every year, U.S. insurers lose an estimated $80 billion to fraud. ˿����ƵAPP's Colin DeForge shares four lessons from a fictional detective that could help real-life underwriters protect legitimate policyholders and the industry. 

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Palm trees swayed, trade winds blew… and dozens of industry experts gathered for the Society of Actuaries (SOA) Health Meeting in Hollywood, Florida, in mid-June. Read More

Life insurance underwriting isn’t just a job – it’s an art, a science and, at times, a puzzle. To piece together a particularly complex or challenging case, it often makes sense to seek facultative consideration from a reinsurer. Find tips and tools here to make the pro... Read More

When it comes to disability claims, identifying what is best for the patient can prove challenging due to miscommunication with the attending physician.

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