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LIFE UNDERWRITING HUB

Tips, trends, and best practices shared by our team of life insurance underwriters and technologists

Lyme Disease: What Life Underwriters Need to Know

Thirty-six. Remember that number. What is Lyme disease? How is it contracted? Can it be treated, and what is Lyme carditis? We will delve into the realm of Lyme disease, answering all the above questions, as well as noting underwriting points to...

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Anti-Selection and Fraud Management

What is Fraud? According to US Legal Inc., fraud is defined as “an intentional misrepresentation of material existing fact made by one person to another with knowledge of its falsity and for the purpose of inducing the other person to act, and upon...

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Hepatitis: Getting Back To The Basics

This article was originally featured in the June 2020 Issue of OTR and is reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting. Before we can properly assess the risk of hepatitis, we need to ensure we have the...

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Changes in the Demographics of Strokes

This article was originally featured in the June 2020 Issue of OTR and is reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting. Strokes have been classically thought of as a medical problem affecting the elderly....

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Understanding Polycystic Ovarian Syndrome

Polycystic ovarian syndrome, or PCOS, is a condition that affects about 10 million women in the world. It is the most common endocrinopathy among women of reproductive age. PCOS is important for underwriters to recognize because it is so pervasive....

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Nonmedical Juvenile Underwriting

Opinions vary on the value of purchasing life insurance for children.[1,2] As underwriters, it's not our job to advocate purchasing (or not purchasing) life insurance for children. It is our job to review juvenile applications accordingly once...

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Exercise Cardiac Testing: 10 Signs to Watch for

Exercise cardiac testing, or functional stress testing, has been an important assessment tool for many decades now. Most often employed in the medical follow-up of known heart disease or screening for potential heart disease in those with known risk...

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Parathyroid Glands and Disorders

The numerous glands in the human body hold varying functions. For the most part, however, their role is to secrete hormones to help regulate homeostasis. They can be categorized based on their location, what they secrete, or what organ system they...

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ECG Interpretations and Common Benign Rhythms: Straight from the Heart

This article was originally featured in the September 2019 Issue of OTR and is reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting.

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Vaccinations and the Insurance Industry: Trends and Considerations

Numerous health professionals have called vaccinations one of the greatest advances in medicine in the last two centuries. Bits of inactivated virus or synthesized viral DNA are put into the bloodstream, and the body’s immune system gets in some...

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