˿����ƵAPP

This article seeks to unbundle the factors giving rise to, or perpetuating, the division between claims and rehabilitation professionals, who by the very nature of claims management should be close bedfellows.  Read More

˿����ƵAPP discusses Electronic Health Records with respect to life insurance, current initiatives, and strategies for data utilization.

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In a world where “busy-ness” rules, are there places where we could bridge this gap? Read More

Although the insurance industry may not be perceived as the nexus of technological innovation, the influence of technology on insurers is profound and a technology and data analytics race is already well underway. This article explores these implications.  Read More

Developed countries experience high levels of asthma, chronic obstructive pulmonary disease (COPD) and lung cancer³. In developing countries, major problems include tuberculosis (TB) and other respiratory system infections. ˿����ƵAPP evaluates the...

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This article explores general guidelines associated with pediatric underwriting, including:

• Parent or parents should have insurance on their own lives of at least two times the amount of insurance of the&...

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A two-part look at three more biomarkers:  p2PSA, red cell distribution width (RDW) and cystatin C. Read More

This article explores the medical underwriting implications of sports injury hospitalisations. Sporting activities can lead to a range of injuries requiring hospitalisation and potential short- or long-term disablement.  Read More

Electronic cigarettes are rapidly growing in popularity and may even eclipse traditional
cigarettes in the future, barring any restrictive regulations. This article examines underwriting considerations.  Read More

This article presents challenges and opportunities in applying predictive modeling to group reinsurance and insurance. For a deeper look at this topic, please see:  Read More

This research compares capabilities of emerging wearable health and fitness devices and evaluates insurance implications. Read More

Longevity product innovations have been attempted in Australia, and ˿����ƵAPP's Patrick Reen believes there are more opportunities in Australia’s retirement income market. This article evaluates improved member guidance as well as richer product offerings for the superannuati... Read More

This article summarizes ˿����ƵAPP's Claims Management Pathway (CMP), which assists in implementing change and raising disability claims management standards across the Australian industry Read More

Although most disability claimants accurately report their symptoms and limitations during an independent medical examination (IME) it is a fact of life that not all claimants are credible. For this reason, psychologists use a range of psychological tests to objectiv...

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Malignant Gastrointestinal Stromal Tumours (GISTs) represent less than 1% of GI cancers. Hematogenous metastases from GIST most commonly involve the liver, omentum, and peritoneal cavity. Learn more about challenges associated with adjudicating these claims. 

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For most insurers, experience of death claims will be limited to their home or neighboring countries. When a death claim occurs in a foreign territory, assessors can confront many challenges. This article summarizes the Global Underwriting Manual proprietary Overseas De... Read More

Life insurance new product development continues to be negatively impacted by long lead times; in mid-2014, ˿����ƵAPP sought to assess and quantify these issues. Read More

Many life insurers will be familiar with the concept of a contestability period. Typically, for two to three years after a policy is issued, an insurer can investigate and deny a claim due to undisclosed material information. This article examines the implications of...

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What factors affect India’s life insurance market growth?

• Misselling and fraud
• Need for smaller premium policies
• Lack of access to capital
• Regulation
• Growth in bancassurance

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