Risk Assessment

HIV Infection, Ageing, Inflammation and Comorbidities
From the end of the 2000s, after the introduction of the first antiretroviral therapies (ART), it became…
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Obesity Trends Threaten Continued Mortality Improvements
The United States has enjoyed a trend of steadily improving age-adjusted population mortality over the past 80…
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Housecalls - Kawasaki Disease with Coronary Artery Aneurysms and Wilson Disease
Welcome to this issue of Housecalls, where we present challenging cases and provide relevant research on the…
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Breast cancer in women – Reminders and up-to-date data
Breast cancer in women is a real public health issue. All doctors, whatever their specialty, are confronted…
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Proton Beam Radiation Therapy
Cancer can be a devastating disease. It is also extremely common. According to the World Health Organisation…
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Housecalls - Preterm Delivery and Sudden Coronary Artery Dissection
Welcome to this issue of Housecalls, where we present challenging cases and provide relevant research on the…
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Mental Health & Psychiatric Conditions
According to the World Health Organisation (WHO), mental health corresponds to a state of well-being in which…
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Chikungunya Fever
A Risk management assesment about the Chikungunya Fever.Chikungunya fever (CHK) is a febrile illness associated with severe…
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Housecalls - A Case of Zika Virus, or Is It? and Hypercalcemia
In this issue Dr. Buffet, from SCOR’s Paris office, presents a case of possible Zika virus infection…
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Housecalls: Human T-lymphotropic Virus–Type 1 and Cardiac Papillary Fibroelastoma
In this final issue for 2015 we present two more uncommon medical conditions for your consideration. HTLV…
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SCORacle #4
SCORacle is a publication dedicated to the UK market.This issue includes a range of varied topics in…
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Housecalls: Choroidal Nevus and Gallbladder Polyps
The cases presented in this issue follow a common theme. Both involve possible “incidental” findings that could…
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The Impact of Different Screening Scenarios on Breast Cancer Incidence
The trend of cancer incidences is one of the key questions for developing critical illness (CI) and…
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SCORacle #3
SCORacle is a publication dedicated to the UK market.This issue includes a range of varied topics in…
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Housecalls: Patent Foramen Ovale and Spinal Syrinx
Housecalls focused on real-world issues that confront underwriting and medical directors.Dr John Evans presented the first case:…
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Preferred Risk Criteria and Values: Can We Move from Good to Better?
Since the inception of preferred programs in the late 1980s life insurance underwriters have done a good…
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SCORacle #2
SCORacle is a publication dedicated to the UK market.This issue includes a range of varied topics in…
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The Housecalls - Renal Infarction, Ankle Brachial Index and Moyamoya Disease
Housecalls focused on real-world issues that confront underwriting and medical directors.Three cases are discussed, followed by the…
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The Latest on strokes
Figures on cerebrovascular accidents (also known as CVAs, generally strokes) speak for themselves, showing their high incidence:…
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Housecalls: Fibromuscular Dysplasia and Bariatric Surgery
Housecalls focused on real-world issues that confront underwriting and medical directors.Dr Richard Braun presented the first case:…
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SCORacle
The SCOR Global Life UK newsletter aims to highlight and provide guidance for: Hot topics – regularly…
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Housecalls: the prostate Cancer and the PCA3 Test and Vertebral Artery Dissection
Housecalls focused on real-world issues that confront underwriting and medical directors.   Dr Richard Braun presented two…
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Fat, BMI and Preferred Programs – A Good Mix?
Good news, USA: the US recently lost its #1 position as the “fattest” major nation. However, while…
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Housecalls: Preeclampsia and Subsequent Pregnancy and Periodic Paralysis
Housecalls focused on real-world issues that confront underwriting and medical directors.   Dr William Rooney presented the…
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A new overview of neurology, epilepsy and multiple sclerosis
In ancient times, the Greeks thought that epileptics were “possessed” and in the Middle Ages it was…
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Housecalls: Dilated Cardiomyopathy and Autoimmune Chronic Urticaria
In this issue we examine the case a 38 year-old male applicant who we discover suffers from…
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HIV infection and AIDS: new information, new hopes
So, what is the latest information on AIDS and human immunodeficiency virus (HIV) 30 years after its…
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When red blood cells go wrong
Red blood cell disorders occur as a result of a lack, an excess or a genetic defect…
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Insuring stomach and colorectal cancer in 2012
Colorectal cancer is, with breast, lung and prostate cancer, the most common type of malignant tumour. Its…
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Preferred Risk Classes Prone to Mortality Overlaps
Since the early 1990s, the life insurance industry has embraced the concept of preferred underwriting classification. Insureds…
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Alternative Medical Markers – Promising but More Research Needed
The Society of Actuaries (SOA) and several other associations commissioned a study last year to examine alternative…
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Onco-urology Update
Urological cancers, i.e. of the kidney, bladder and prostate, have an estimated incidence of about 100,000 new…
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2001 VBT – Caution: Steep Hill Ahead
In my role as a Research Actuary, I am often asked to perform mortality experience studies using…
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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…
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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…
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Hereditary vs. Genetic Disorders in Mortality Risk Assessment
Family history has been long recognized as an important factor in risk assessment for life insurance. There…
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Predictive Modeling in Life Insurance
Predictive modeling has been gaining attention in the life insurance industry for its potential to enable life…
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The Emerging Value of Rx Databases
No recent underwriting initiative has piqued the interest of life insurers quite like prescription databases. For a…
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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…
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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…
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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,…
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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…
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The ECG as a Requirement at Older Ages
Can we treat new underwriting tools for the elderly as substitutes for traditional tests like the electrocardiogram…
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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…
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The Problem with False-Positives and False-Negatives
No test is perfect and test results are not black and white situations. An ideal test would…
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The Value of New Lab Tests: NTpBNP
This is the first of a series of articles on the laboratory and examination components of age…
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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…
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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…
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Medical insurance for testicular cancer
In October 1996, a 25 year old cyclist with a promising professional career consulted his physician and…
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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…
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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…
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Managing Premium Financing Risk
As the life settlement market continues to develop, a particularly unsavory side market has developed along with…
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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…
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Fibromyalgia syndrome
Fibromyalgia syndrome, a disorder affecting an increasingly large number of patients, is a chronic disabling condition whose…
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A Dedicated Full-Service Underwriter
In the 1970s facultative underwriting was generally considered by the reinsurance community to be a necessary –…
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Automated Underwriting - The Industry Turns a Corner
2016 may go down as the year accelerated underwriting went from a big idea to a fully…
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Underwriting Juveniles for Large Cases - The Issue Grows More Complex
Life insurance for juveniles has been a fairly simple proposition. Most insurers offer a Juvenile Coverage rider…
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Essential Genetics for Life Insurance Underwriters
The aims of this brochure are to provide the reader with a simple introduction to genes and…
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Underwriting – Going to Pot?
Other state legislatures have bills on their dockets to legalize marijuana for either medical (11) or recreational…
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The Value of PSA Screening in Underwriting
Prostate cancer is the most common malignancy among men aged 45 and over. An estimated one in…
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Not So Simple – The State of Traditional Underwriting
While there is no doubt that simplified underwriting has been a growing trend in the life insurance…
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Dental Insurance in Korea & Simplified Underwriting
In this newsletter, we will delve further into a topic which has attracted quite some attention following…
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Trends in Underwriting Point to a Changing Future
Life insurers are cautious about integrating medical and technological advances into their underwriting procedures in order to…
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Preferred Underwriting: Using Technology to Improve Mortality Results
In the middle market, life insurers need underwriting practices that make smaller face amount business worth their…
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Can Predictive Modeling Improve Preferred Risk Underwriting Processes?
Interest in predictive modeling is growing as capabilities based on this technique begin to be marketed to…
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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.…
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Real Time Underwriting: A New Way to the Middle Market
Can we treat new underwriting tools for the elderly as substitutes for traditional tests like the electrocardiogram…
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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…
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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…
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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…
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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…
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Assessing Impaired Risks: Methodology Matters
Life insurance underwriters are frequently faced with assessing the mortality of an impaired risk. There are two…
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Underwriting Trends for Older Age Applicants Special Report
Numerous accounts of the aging of America have been published. The U.S. Census Bureau estimates that the…
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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…
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Companies Recognize the Risks of Premium Financing
While valid reasons exist for premium financing programs, non-recourse schemes for future settlement with third-party investors blur…
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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…
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Do the “NOACs” change the deal in Insurance?
Cardiovascular diseases are the main cause of mortality in the world and insurers have to take into…
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Hepatitis C eradication? Yes, it’s possible… but at what cost?
The pharmaceutical industry has been actively seeking the ideal treatment for hepatitis C for years: a treatment…
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Neurology latest
The 28th SCOR Global Life Medical Symposium was held in Paris on Thursday 25 June 2013.
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Diseases of the Red Blood cells
The 27th SCOR Global Life Medical Symposium took place on Thursday 6 December 2012.     SCOR…
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Insuring stomach and colorectal cancer in 2012
The 26th SCOR Global Life Medical Symposium took place on Tuesday 29 May 2012.   SCOR Global…
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Onco-urology : current developments, evaluation, scenarios
The 25th SCOR Global Life Medical Symposium took place on Thursday, 8th December 2011 in Paris. SCOR…
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A new cardiology event
The 24th SCOR Global Life Medical Symposium took place on Thursday, 23th June 2011 at the SCOR building…
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Risk of immunosuppression: HIV infection – immunosuppressive treatments
The 23rd Medical Symposium of the SCOR Global Life was held on Tuesday, 11th January 2011 at…
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Purpose : Few studies examined the relationship between neighborhood characteristics and both depressive disorders and the corresponding…
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This paper examines with a case study of Beijing, China, the health benefits that could be reaped…
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In many important settings, subjects can show signi cant heterogeneity in response to a stimulus or treatment".…
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Spinnewijn (2013) posits that risk misperception can lead to advantageous selection in insurance markets. Subjects who are…
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On normal days, the temperature decreases with altitude, allowing air pollutants to rise and disperse. During inversion…
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Global health risks is a comprehensive assessment of leading risks to global health. It provides detailed global…
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Chronic diseases account for 75% of U.S. national health care expenditures as estimated by the Centers for…
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