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This edition of ReFlections contains two articles relating to the vascular system. In the first, Dr. Carl Holowaty discusses coronary artery disease and endothelial health. In the second article, Dr. Dave Rengachary, a general neurologist in St. Louis... Read More

Mortality at older ages has been an increasingly important issue for new products and profitability of current products. The Product Development Section Council of the Society of Actuaries (SOA) engaged ˿����ƵAPP to undertake a research project into the mortality and other...

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In September 2012, India’s Health Ministry established a 15-member working group to give technical support and draft guidelines to provide health insurance coverage to those afflicted with Human Immunodeficiency Virus (HIV) or who have Acquired Immune Deficiency Syndrom... Read More

˿����ƵAPP's Jason Hurley looks at a new, possibly industry-changing, way of branding and distributing insurance in the United Kingdom. Read More

As Formula 1 season shifts into gear, ˿����ƵAPP's Chris Boatman assesses the underwriting implications of motorsport.     Read More

The definitions for the core critical illness conditions in the U.K. are governed by a Statement of Best Practice for Critical Illness Cover, issued and updated periodically by the Association of British Insurers (ABI)

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Episodes of disordered mental health often pose a challenge for the life insurance industry, both at the time of application and at the time of claim. This article examines regulatory change in Australia that might complicate the claims process.  Read More

The UK underwritten annuity market is growing rapidly, challenging actuaries and underwriters to constantly review their pricing decisions. Peter Banthorpe discusses how the underlying drivers will shape the market’s future. Read More

Insurers need to use great caution when reviewing bodybuilders due to anabolic steroid use.  Read More

Ever more insurers are partnering with big-box retailers to develop new markets for life and health insurance in the United States.  Read More

Life underwriters and medical directors are likely to see an increase in the number of cases involving surgical mortality risk. Read More

A Japanese insurer is reaping the rewards of embracing the technological revolution, writes ˿����ƵAPP's Greg Goodfliesh.

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Dr Dhiraj Goud describes how the guidelines described in the recent Exposure Statement might affect life insurance coverage for PLHAs in the future. He also describes the history, epidemiology, and natural progression of HIV/AIDS in India, and current challenges for the... Read More

This webcast offers insights into how insurers can better identify fraudulent behavior and prevent anti-selection. The case studies and industry activities remain informational. Read More

Unveiling the Opportunity Read More

Over the past decade, sales of individual Indexed Universal Life (IUL) insurance policies have grown with great rapidity in the US. Why is IUL so popular, and why have its sales increased so rapidly and significantly? Read More

Facultative life underwriting in reinsurance has become a standard line in many of the more developed markets, although it is still relatively new in emerging markets. Mr. Oscar Smith of ˿����ƵAPP looks at how facultative underwriting has evolved over the years.   Read More

The long-standing motto of the Society of Actuaries, from John Ruskin, is “The work of science is to substitute facts for appearances and demonstrations for impressions.” We have always had the IMPRESSSION that it means our job, as actuarial scientists, is to pursue fac... Read More

Bancassurance’s attractiveness in Asia continues to strengthen, as insurance consumers from all demographic and income cohorts increasingly turn to banks for their life protection needs. Read More

Over the past few years, the concept of predictive modeling (PM) has entered the lexicon of many life insurance underwriting departments. This article discusses some of the issues to resolve in assessing the usefulness and the business case for im...

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