Kidney donation is becoming increasingly common throughout the world, with the United States and Japan leading the way in this…

This newsletter is a synthesis of SCOR Global Life’s 23rd Medical Symposium, devoted to the subject of the risk presented…

Newsletter SCOR Global Life 

Changes in diet and lifestyle have combined with genetics to form a perfect storm condition for rising obesity rates in…

Transamerica Reinsurance has been granted a patent for its VELOGICA® underwriting technology for non-medically underwritten life insurance. Designed for transactional…

No recent underwriting initiative has piqued the interest of life insurers quite like prescription databases. For a percase fee a…

  SCOR inFORM

Carriers use a number of tools to measure the performance of their underwriting shops, ranging from periodic internal reviews to…

New life underwriting technologies have gained ground during the last decade. Recent surveys sponsored by the Society of Actuaries and…

Receiver operating characteristic curves (ROCs) are a popular way to summarize the resolution power of a diagnostic test. ROCs plot…

Rheumatology is a little-known field, but one that is expanding fast. With the ageing of the population, individuals are suffering…

Tele-interviewing and specifically tele-underwriting, is the most important underwriting innovation of the past decade. Far from being confined to the…

As French life insurers look to grow their retail business, they are considering techniques used in other markets to streamline…

While life insurers continue to reflect mortality improvements in their pricing, it is uncertain how much of the improvements can…

Can we treat new underwriting tools for the elderly as substitutes for traditional tests like the electrocardiogram (ECG)? Many arguments…

Homeostasis is either the equilibrium itself or the process through which equilibrium is maintained between various chemical compositions and/or physiologic…

This is the first of a series of articles on the laboratory and examination components of age and amount requirements.…

No test is perfect and test results are not black and white situations. An ideal test would yield results that…

Numerous accounts of the aging of America have been published. The U.S. Census Bureau estimates that the number of people…

Regular readers of The Messenger have seen articles extolling the virtues of a fully implemented mortality management system. These systems…

In the SEER database, it is relatively easy to identify secondary cancers that follow an initial diagnosis of cancer. However,…

Modern cardiology underwent a period of unique growth in the latter decades of the 20th century, the fruit of close…

Life table analysis and other mortality methods apply well to end points other than mortality. This paper demonstrates the application…

The potential risks affecting the life of an insured with a kidney transplant must be analysed and answers given to…

Morbid obesity is a serious condition that has grown to worldwide epidemic proportions and certain observers have already considered it…

Preferred underwriting has helped direct writers segregate favorable risks from those less than favorable and using an expanded standard class…

Fibromyalgia syndrome, a disorder affecting an increasingly large number of patients, is a chronic disabling condition whose principal symptoms include…

Can we treat new underwriting tools for the elderly as substitutes for traditional tests like the electrocardiogram (ECG)? Many arguments…

In the middle market, life insurers need underwriting practices that make smaller face amount business worth their costs and risks…

Predictive modeling has been gaining attention in the life insurance industry for its potential to enable life insurers to use…

As the life settlement market continues to develop, a particularly unsavory side market has developed along with it. Investor or…

While valid reasons exist for premium financing programs, non-recourse schemes for future settlement with third-party investors blur this line. The…

Interest in predictive modeling is growing as capabilities based on this technique begin to be marketed to life insurers. New…

Life insurance underwriters are frequently faced with assessing the mortality of an impaired risk. There are two primary ways by…

In the 1970s facultative underwriting was generally considered by the reinsurance community to be a necessary – if not necessarily…