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Marijuana and Legalization

August 9, 2019

Marijuana and Legalization

  

History

The origins of marijuana date back to the Han dynasty in China when it was used mainly for medicinal purposes to treat inflammation, nausea and malaria. It was brought to the West by the Spanish in the late 1500s, first to Chile and then to North America, where it was grown and its hemp fiber used for rope, paper and clothing.

Even though marijuana has been in use for centuries, the controversy associated with the legality of its use and the stereotype of its consumer exist to the present day.  With the recent legalization of recreational and medicinal marijuana in Canada, the first G7 country to do so, there is an expectation that non-users will change their stereotypical views of users and there will be more acceptance of the drug.  Other countries, especially our southern neighbour, will watch Canada carefully to move towards legalization and the economic benefits that this emerging market will bring.

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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.

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