Underwriting
Lifesearch 'can't see downside' to SAR's
Lifesearch has applauded Legal & General's use of subject access requests (SARs) to obtain extra medical data and said it is seeing positive results for clients.
Battling for progress: GPRs vs SARs
Subject access requests and online technology have opened the debate over GP reports. Ian Smart asks if this could remove a perennial insurance bugbear.
Risk Clinic: Over-insured, under-employed
My 45-year-old client was made redundant due to the recession, but has recently started a new yet much lower-paid job. With his income protection (IP) policy covering his last wage level, he is now over-insured and would not be able to claim his full...
Around the world: Hong Kong CI
Critical illness products are continually evolving worldwide. With this in mind, Greg Becker checks out some interesting developments in Hong Kong.
British troops killed without life cover
Dozens of soldiers have been killed in Afghanistan without taking out life insurance while thousands more have served active duty without cover, it has been revealed.
Interview - L&G's Russ Whitworth
One of the most controversial developments in the protection industry over recent months has been the use of Subject Access Requests (SARs). Russ Whitworth told Owain Thomas a war with doctors may not actually be on the cards
L&G defends use of SARs for medical evidence
L&G has given the use of Subject Access Requests (SARs) a ringing endorsement and said they produce much better results than other methods of obtaining medical information.
WPA adds moratorium underwriting
WPA has introduced moratorium underwriting on its individual private medical insurance (PMI) plans for clients who fit certain criteria.
SARs challenge doctors to improve service - Pacific Life Re
Pacific Life Re has applauded insurers for tackling the growing problem of long delayed GP reports (GPRs) by using data protection legislation to request medical information.
LV= improves underwriting flexibility
LV= has changed its underwriting rules to allow more applications to receive an immediate online decision.
Disease of the month: Thyroid disease
Fergus Bescoby looks at the insurance implications of this condition which is particularly common in women
Why these advisers avoid medical underwriting
Could advisers find themselves in non-disclosure disputes with insurers if they help clients with their annuity paperwork?
Treasury opens consultation on ECJ gender ruling
The government has begun consulting on how insurers can use gender as a risk factor after a European Court of Justice ruling said providers could not charge different premiums to men and women because of their sex.
Around the world: South African viral marketing
Underwriting requires information, so what can your connections tell us? Greg Becker visits South Africa to look at one idea.
Aviva upgrades large case underwriting
Aviva has overhauled its approach to large case underwriting, to make the process quicker and easier.
Storm brews for clients over GP reports
A row is brewing involving doctors and insurers that may result in advisers and their clients being stuck between the two factions.
Disease of the month: Polycystic kidney disease
This genetic illness affects about one in 800 people in the UK. Mary Randell explains how advisers can offer cover for it
Disease of the month: Barrett's Oesophagus
Paul Gyseman looks at the insurance implications of this oesophageal condition and why underwriters need to be alert when assessing the long-term risks of this common disclosure
Reinsurance: Longevity - Making the A grade
Ron Wheatcroft discusses how three reports published in September demonstrate the difficulties in funding an ageing society.
LV= cuts new business processing time
LV= has revealed it completed almost two thirds (61%) of all protection applications from IFAs in five days or less last year.
Aviva cuts not taken up rates
Aviva has reduced its not taken up (NTU) rates for protection products by a quarter over the last three years.
Disease of the month: Hypertension
Despite being one of the most common conditions in the country, high blood pressure has serious underwriting consequences. Fergus Bescoby explains.
Population sub groups distorting life tables say actuaries
Unmodelled aspects of longevity could invalidate insurer's predictions for policy pricing, reinsurer RGA has said.
Morgan Ash launches impaired annuities service and eyes LTC
MorganAsh has officially launched Tele-Interviewing service for impaired annuities and is considering long term care market entry.
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