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The Evolution of Underwriting – Where are we heading?

June 16, 2016

The Evolution of Underwriting – Where are we heading?

  

ISSUE 3 – DECEMBER 2015
Cecilia Torrejan, AVP and Chief Underwriter, Life Reinsurance

Underwriting, simply put, is the method by which insurance companies assess individual life risks for the likelihood of a claim. Over time, the practice of underwriting has evolved due to market influence, improvements in data gathering, and technology.  In modern times, certain subjective aspects of underwriting are being replaced by computer algorithms and predictive analytics.  Since individual underwriting has been implemented as a means of risk assessment, has the approach to underwriting changed? To determine this, let’s look back at the infancy of the practice to where it is today.

Creditor Insurance

Creditor Insurance – Debunking Some of the Myths

July 28, 2014

Creditor Insurance – Debunking Some of the Myths

  

ISSUE 2 – JULY 2014
Ed Yeung, Vice President, Insurance Products

Having worked in the creditor insurance world for over a decade, people often ask me, “Isn’t that creditor stuff a rip off?” While at first glance, it might seem that way, there are indeed advantages to this type of offering, which make it a viable segment in the insurance market.

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