Articles March 2011
Mining Social Networks
Underwriters should weigh these factors when applying information from social media in underwriting decisions.  Read More
Articles March 2011
ReFlections Spring 2011

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Articles February 2011
Provider Fraud – Detection and Management

Although healthcare provider fraud has historically not received a great deal of attention from consumers and the mainstream media, it is becoming an increasingly costly and troublesome fraud for insurers. Dr Dhiraj Goud, Chief Manager, Health Services, ˿ƵAPP Services ...

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Articles January 2011
Predictive Modeling: A Life Insurance Underwriter's Primer
This primer describes how predictive models impact pricing, marketing and underwriting of life insurance products. Contact ˿ƵAPP's research team ... Read More
Articles January 2011
Obstructive Sleep Apnea
This review focuses on obstructive sleep apnea, its epidemiology, treatment and impact on mortality and morbidity. Read More
Articles January 2011
​Traffic Fatalities' Heavy Toll
Traffic fatalities continue to rise in the US and globally; this article examines causes and consequences.  Read More
Articles January 2011
The Emerging Epidemic of Type 2 Diabetes
Globalization and changing lifestyles are resulting in an emerging Type 2 diabetes epidemic throughout the Asia Pacific region, with serious underwriting implications.  Read More
Articles January 2011
One Foot in the Grave
 
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Articles January 2011
Hereditary Hemochromatosis
Hereditary hemochromatosis (HH) is a common genetic disorder of iron metabolism which can affect multiple vital organs.

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Articles January 2011
Critical Illness: Maintaining the Balance

˿ƵAPP provides guidance on developing CI definitions that are clinically correct, clear, accessible and sensible. 

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Skin cancer inspection
Articles October 2010
ReFlections Fall 2010

˿ƵAPP reviews significant facts about melanoma of the skin and its pre-malignant conditions, as well as changes in the staging protocol for skin cancer. ˿ƵAPP also discusses prostate cancer statistics, risk factors and the histological grading of prostate cancer dif...

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Articles July 2010
Bridging the Cultural Divide: Fostering Improved Communication Between Banks and Insurers



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Articles June 2010
Exploring family takaful's evolving landscape
As the appetite for family takaful grows, its underwriting principles and conventions are facing closer scrutiny. Read More
gradual incline illustrating post-term lapse
Research and White Papers June 2010
Post-Level Term Research Results 2010

The SOA’s Product Development Section Council and Committee on Life Insurance Research engaged ˿ƵAPP to research the magnitude and impact of the “shock lapse” at the end of the level premium period.

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Articles March 2010
Lung Cancer
Lung cancer kills more people than any other type of cancer. This article explores lung cancer, including its history, causes, symptoms and treatments.  Read More
Articles December 2009
​ReFlections Winter 2009
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Articles March 2009
ReFlections Spring 2009

The first article in this issue of ReFlections provides valuable insight into sleep apnea, a common diagnosis noted during the process of underwriting. The article discusses in detail the complexity of this condition and its impact on mortality. 

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Articles October 2008
​ReFlections Fall 2008
This edition of ReFlections is devoted to the topic of underwriting coronary artery revascularization procedures.  Read More