Assessing-Comorbidities-Requires-a-Data-Driven,-Multidisciplinary-Approach
Articles May 2023
Assessing Comorbidities Requires a Data-Driven, Multidisciplinary Approach: Part I

Ë¿¹ÏÊÓƵAPP's Mike Cusumano explains how through cross-functional collaboration insurers can apply data analysis to refine and improve complex case underwriting. Read Part II of this article series to learn how additional and more complex analyses can provide more precise – ...

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Quantum-Computing
Articles May 2023
Affordable Access to Quantum Computing Opens the Door to Experimentation, Potential Security Threats ​

The future of quantum computing has already begun, and the implications for the insurance industry are profound. Insurers would be well served to take steps now to determine how quantum computing might impact their businesses moving forward.

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Publications May 2023
ReFlections Volume 59, May 2023
Better understand Autism, explore advances in the science of aging, improve application disclosure, and more.
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A pen pictured above an insurance application
Articles May 2023
Improving Smoking and Alcohol Disclosures Using Behavioral Science

In this article, we discuss Ë¿¹ÏÊÓƵAPP’s latest behavioral science research, which assessed the trade-offs between optimizing questions for alcohol and smoking disclosure, applicants’ experience of answering the questions, and what the results might teach about designing si...

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A young child plays with blocks beside his mother
Articles May 2023
An Update on Autism Spectrum Disorder Part 1: Through a clinical lens

This article, the first of two parts, provides a clinical review of ASD, and the second part, in the September issue of ReFlections, will focus on insurance medicine’s view and assessment of ASD.

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A caregiver and an elderly woman walk in the park
Articles May 2023
What's New With Old? Recent Advances in the Science of Aging

Ë¿¹ÏÊÓƵAPP's Dr. Dan Zimmerman reviews recent controversies and developments in aging research and updates what to anticipate in the coming years.

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A consumer enters responses to a questionnaire at a computer
Articles April 2023
Bringing Order to Complexity in Claim Forms: An Ë¿¹ÏÊÓƵAPP behavioral science study

Information collected on occupational duties claims forms is often inadequate. In this article, Ë¿¹ÏÊÓƵAPP's Peter Hovard shares the findings of a large study conducted in key markets and explains why behavioral science-backed enhancements to claim forms improve information...

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Top 10 stamped graphic
Articles April 2023
Top 10 Tips from a Career in Claims

Tina Paap has been with Ë¿¹ÏÊÓƵAPP for 23 years, most recently in the role of Vice President of Claims for Ë¿¹ÏÊÓƵAPP Asia, and prior to retirement shared her top 10 tips for claims management.



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Articles April 2023
3 New Trends in Life and Health Insurance

Life and health insurance coverage and distribution are evolving. In this article, Jaqui Wa...

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Cupped gloved hands holding microplastics
Articles April 2023
Do Microplastics Affect Human Health?

Human consumption of microplastics (MPs) is increasing. Initial research suggests that MPs may negatively impact human health, but evidence to quantify that impact is currently insufficient.

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Image of streaks of light over urban landscape
Articles April 2023
Streamlining Accelerated Underwriting Means Reconsidering Manuals

In this , Ë¿¹ÏÊÓƵAPP's Catie Muccigrosso explains why, as accelerated underwriting evolves, insurers will benefit...

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Grandparents meet with a grandchild and parent
Articles April 2023
5 Ways to Incorporate Social and Environmental Sustainability into Life and Health Insurance Products

Ë¿¹ÏÊÓƵAPP has worked with insurers around the globe to support the development of life and health insurance products that have a positive environmental, social, or governance (ESG) impact, in line with our purpose to make financial protection accessible to all. These prote...

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A customer uses a smartphone
Videos March 2023
Leveraging Behavioral and Contextual Signals from Digital Distribution and Underwriting

Ë¿¹ÏÊÓƵAPP's Petr Vaclav explains how behavioral and contextual signals can improve the life insurance value chain. Curious about Ë¿¹ÏÊÓƵAPP's data insights?  

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Underwriting acceleration speed blur highway
Videos March 2023
Trends in Bancassurance

Curious about Ë¿¹ÏÊÓƵAPP's medical insights?   Conta...

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Articles March 2023
Accelerated Underwriting: Maximizing its future

Alternative data sources and supporting technologies are propelling today’s advances in underwriting, enabling acceleration. Accelerated underwriting is empowering insurers to speed processes and improve the customer experience. 

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Articles March 2023
Life and Health Insurance Innovation | Sandi Hubert
In this Inside Ë¿¹ÏÊÓƵAPP Q&A, Sandi Hubert, Senior Vice President, Chief Operating Officer at , discusses the importance of innovation in life and health insurance, what the team is currently... Read More
Articles March 2023
Psychedelics and Mental Health - A Review of the Current Research

Much of the available data regarding the therapeutic use of psychedelics for mental health disorders remains introductory; however, momentum is building with the potential to offer unique treatments for many complex mental health disorders.

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Sickle Cell Disease
Articles March 2023
New Therapies Take Giant Steps Toward Treating Sickle Cell Disease

New pharmaceuticals to treat sickle cell disease (SCD) are steadily improving the health and wellbeing of many people living with this chronic disorder. It is hoped that revolutionary gene therapies now in clinical trials will be able to cure more SCD patients. The r...

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Chat GPT
Articles March 2023
GPT-4 Upgrade Improves Results, Expands Application Potential

GPT-4 features stronger safety and privacy guardrails, longer input and output text, and more accurate, detailed, and concise responses for nuanced questions. Although it offers exciting opportunities for insurance and countless other industries, its potential provid...

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Image of labwork
Articles March 2023
Global Health Brief: Experimental Treatments – Current Considerations

Many health insurers exclude experimental treatments without clearly defining which treatments they would consider experimental. In this Global Health Brief, Ë¿¹ÏÊÓƵAPP's Colin Weston discusses the need for clear definitions in policy language. He also explores how drugs, t...

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