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...

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...

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....

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....

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...

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...

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...

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.

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...