Articles July 2017
Redefining Health Insurance: How digitalization is transforming health care and the role of insurers

The traditional definition and role of health insurers is changing. Digitalization is enabling and prompting health carriers to move beyond simply mitigating risk; insurers are now looking to become partners in maintaining customers’ good health. ˿ƵAPP's Alan Watts exp...

Read More
Articles July 2017
Opinion: The Diversity of Diversity in Insurance ˿ƵAPP
Is diversity more than skin deep? Ronald Poon-Affat of ˿ƵAPP Brazil shares the value of looking at the working world in living color. ˿ƵAPP is a member of ,™ the lar... Read More
Articles June 2017
The C-words: Cancer, Costs and the Case for Dedicated Case Management
˿ƵAPP asked Melinda Baxter of ROSE® (Reinsurance Outcomes and Service Experts), the reinsurance industry’s premier medical and claim consulting program, to explain why oncology case management is so effective. Read More
Articles June 2017
Chronic Pain and Best Practice Claims Management

˿ƵAPP explores the complex nature of chronic pain claims. Questions or comments? Contact the author: ReViewANZ@rgare.com




Read More
An illustration of a female face comprised of circuit boards
Articles June 2017
What Do You Think When You Think of "Data"? A New Look at Data Analytics in Risk Assessment
Beautiful,.yes. Simple, no. ˿ƵAPP's Raimondo Guerra demystifies data and discusses the future of insurance.

 
Read More
Articles June 2017
Sepsis Mortality and Morbidity Trends – An Insurance Perspective

˿ƵAPP’s Dr. Daniel Zimmerman answers questions on sepsis development and mortality trends. 

Read More
Articles June 2017
The Group Market's Seven Fat Cows: Mortality Experience and Assumptions
In the theatrical story of “Joseph and the Amazing Technicolor Dreamcoat,” the Pharaoh dreams about seven fat cows and seven thin ones, which Joseph correctly interprets as a prediction of seven good harvests followed by seven bad ones. As a result, the Pharaoh is able ... Read More
Articles June 2017
A Novel Cardiovascular Risk Biometric: Aortic Pulse Wave Velocity

This article introduces aortic pulse wave velocity (aPWV) and explains how this new biometric could help underwriters to predict major cardiovascular events and mortality.

Read More
Articles June 2017
Fatal Distraction: Smartphones and Recent Increases in US Motor Vehicle Fatalities

Despite all of the advances in car safety, seat-belt use and drunk-driving prevention, the number of vehicle deaths has been rising. This article will examine the following topics:

  • Current statistics f...
Read More
Articles June 2017
Both Sides Now: Sharing Group Claims and Underwriting Perspectives for Improved Efficiencies

Effective teamwork is based on a strong, two-way communication. Yet, too often,  ˿ƵAPP’s underwriting team believes underwriters and claims analysts operate at cross purposes. The team shared some effective techniques to bridge this gap at the ˿ƵAPP 2017 Stop L...

Read More
Articles June 2017
Global Claims Views: Claims Management Challenges – Real or Imagined? A Changing World – The Next Ten Years
How will the claims function evolve over the coming decade? This article shares claim manager views of changing roles, technologies, processes and needs. As insurance markets grow and consolidate, speed and efficiency of claims assessment and management processes will b... Read More
Articles May 2017
Mobile Distribution: New Technology, Social Media, and the Impact on Bancassurance

The global insurance landscape is changing rapidly. With a shift in demographics and the increased connectivity and popularity of social media, insurers must become more mobile friendly and tech savvy to meet customer expectations. This article explores the trends.

Read More
Articles May 2017
Canadian Market: Trends in Group Life, LTD, and Critical Illness Non-Evidence Limits/Overall Maximums

Game change? Canadian group carriers once offered optional cover without medical evidence only on a limited case-by-case basis. Now it’s increasingly standard. This article explores findings from ˿ƵAPP's Group Life, LTD and Critical Illness Non-Evidence Limits/Overall ...

Read More
Articles May 2017
There Is No Partial Credit in Real Life: A Meditation on Actuarial Bias in Group Pricing

Then I joined the working world as an entry-level actuary. In some ways that mindset subconsciously stayed with me. I would race through a project without spending adequate time to check my work and think about whether the conclusion made sense. I realized in a hurry...

Read More
Cerebral Vascular Lesions
Articles May 2017
Cerebral Vascular Lesions

The complex anatomic structure of cerebral arteriovenous malformations (AVMs) can present both physicians and underwriters with many challenges, including correct diagnosis and classification, appropriate risk prognostication, and most important, selection of ap...

Read More
HPV and Cervical Cancer
Articles May 2017
Cervical Screening and HPV Testing
Understanding the association between persistent cervical infection with high-risk human papillomavirus (HPV) and the development of cervical cancer is fundamental when underwriting cases where HPV is present. This article explores the latest research and relationship.<... Read More
Image of breast cancer screen
Articles May 2017
Risk Assessment of Non-Metastatic Breast Cancer in the Genomic Era

Underwriting breast cancer in 2017 will require an understanding of the current and growing role of genomics in the assessment of its mortality risk. The importance of genomics today is being seen in precision medicine: the increasing ability to predict the biologica...

Read More
Research and White Papers May 2017
How Do You Bring New Insurance Products to Market?
At a time of changing customer demand, regulatory standards, and market pressures, how do insurers bring successful new products to market? A new Society of Actuaries (SOA) study conducted by ˿ƵAPP and LIMRA explores the trends. Following are highlights. An over... Read More
Publications May 2017
ReFlections Volume 41, May 2017
Learn more about breast cancer genomics, Arteriovenous malformations, and HPV testing.
Read More
Articles April 2017
Insuring HIV
MTV launched, the space shuttle Columbia landed, and a notice from the Centers for Disease Control and Prevention (U.S.) reported a new and mysterious immune system problem appearing among men in the Los Angeles area. Read More