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Risk Assessment

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Insuring Kidney Donor Applicants
Kidney donation is becoming increasingly common throughout the world, with the United States and Japan leading the way in this…
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Immunodeficiency in HIV infection and immunosuppressive treatments
This newsletter is a synthesis of SCOR Global Life’s 23rd Medical Symposium, devoted to the subject of the risk presented…
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A Perfect Storm – Causes and Costs of Pediatric Obesity
Changes in diet and lifestyle have combined with genetics to form a perfect storm condition for rising obesity rates in…
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Underwriting Technology Receives Patent
Transamerica Reinsurance has been granted a patent for its VELOGICA® underwriting technology for non-medically underwritten life insurance. Designed for transactional…
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Underwriting Audits: Improving Results and Delivery
Carriers use a number of tools to measure the performance of their underwriting shops, ranging from periodic internal reviews to…
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Underwriting Technologies: Focus on Strategic Benefits
New life underwriting technologies have gained ground during the last decade. Recent surveys sponsored by the Society of Actuaries and…
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Receiver Operating Characteristic Curves
Receiver operating characteristic curves (ROCs) are a popular way to summarize the resolution power of a diagnostic test. ROCs plot…
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Risk and rheumatology
Rheumatology is a little-known field, but one that is expanding fast. With the ageing of the population, individuals are suffering…
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The Guide to Tele-interviewing Global Perspective, Local Solution
Tele-interviewing and specifically tele-underwriting, is the most important underwriting innovation of the past decade. Far from being confined to the…
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Underwriting Individual Life Insurance Products by Telephone
As French life insurers look to grow their retail business, they are considering techniques used in other markets to streamline…
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Risk Selection: Considering New Mortality Markers
While life insurers continue to reflect mortality improvements in their pricing, it is uncertain how much of the improvements can…
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Hemoglobin A1c and the Elderly
Homeostasis is either the equilibrium itself or the process through which equilibrium is maintained between various chemical compositions and/or physiologic…
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Winning Customers with Tele-interviewing
Regular readers of The Messenger have seen articles extolling the virtues of a fully implemented mortality management system. These systems…
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Secondary Cancer and Relapse Rates Following Radical Prostatectomy for Prostate-Confined Cancer
In the SEER database, it is relatively easy to identify secondary cancers that follow an initial diagnosis of cancer. However,…
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Coronary and valvular heart disease revisited
Modern cardiology underwent a period of unique growth in the latter decades of the 20th century, the fruit of close…
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The Secondary Cancer Rates Following Breast Cancer Diagnosis
Life table analysis and other mortality methods apply well to end points other than mortality. This paper demonstrates the application…
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Insuring Applicants with Kidney Transplants
The potential risks affecting the life of an insured with a kidney transplant must be analysed and answers given to…
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Morbid obesity and gastric ring surgery
Morbid obesity is a serious condition that has grown to worldwide epidemic proportions and certain observers have already considered it…
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Managing Underwriting Programs for Success
Preferred underwriting has helped direct writers segregate favorable risks from those less than favorable and using an expanded standard class…
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Fibromyalgia syndrome
Fibromyalgia syndrome, a disorder affecting an increasingly large number of patients, is a chronic disabling condition whose principal symptoms include…
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