Life insurance underwriting in the United States yesterday, today and tomorrow

被引：2
作者：
Klein, Allen M. [1 ]
机构：
[1] Milliman Inc, Chicago, IL USA
来源：
BRITISH ACTUARIAL JOURNAL | 2013年 / 18卷 / 02期
关键词：
Underwriting; Medical Underwriting; Financial Underwriting; Preferred Underwriting; Simplified Issue; Older Age Underwriting; Tele-underwriting; Predictive Modelling; Mortality;
D O I：
10.1017/S1357321713000196
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
Underwriting in the United States (US) life insurance marketplace has evolved tremendously over the last several decades. This paper will take a brief look at that history, from the older underwriting techniques still in use today to the introduction of smoker/nonsmoker distinctions in about 1980 to the evolution of preferred underwriting in the late 1980s, and finally to a movement toward simplified issue underwriting and a new approach to older age underwriting today.
引用
收藏
页码：486 / 502
页数：17
相关论文
共 11 条
[1]   Body mass index in midlife and late-life as a risk factor for dementia: a meta-analysis of prospective studies [J].
Anstey, K. J. ;
Cherbuin, N. ;
Budge, M. ;
Young, J. .
OBESITY REVIEWS, 2011, 12 (501) :e426-e437
[2]  
Clinical Reference Laboratory, 2012, THE SCOOP
[3]   Individualized Nutritional Intervention During and After Hospitalization: The Nutrition Intervention Study Clinical Trial [J].
Feldblum, Ilana ;
German, Larisa ;
Castel, Hana ;
Harman-Boehm, Ilana ;
Shahar, Danit R. .
JOURNAL OF THE AMERICAN GERIATRICS SOCIETY, 2011, 59 (01) :10-17
[4]   Estimated Deaths Attributable to Social Factors in the United States [J].
Galea, Sandro ;
Tracy, Melissa ;
Hoggatt, Katherine J. ;
DiMaggio, Charles ;
Karpati, Adam .
AMERICAN JOURNAL OF PUBLIC HEALTH, 2011, 101 (08) :1456-1465
[5]   Towards a unifying, systems biology understanding of large-scale cellular death and destruction caused by poorly liganded iron: Parkinson's, Huntington's, Alzheimer's, prions, bactericides, chemical toxicology and others as examples [J].
Kell, Douglas B. .
ARCHIVES OF TOXICOLOGY, 2010, 84 (11) :825-889
[6]   Falling behind: life expectancy in US counties from 2000 to 2007 in an international context [J].
Kulkarni, Sandeep C. ;
Levin-Rector, Alison ;
Ezzati, Majid ;
Murray, Christopher J. L. .
POPULATION HEALTH METRICS, 2011, 9
[7]  
Lee D. H., 2011, DIABETES CARE
[8]  
Logue J., 2011, HEART
[9]  
MEG Financial, 2012, LIF INS MED REQ LAB
[10]   Overweight and hypertriglyceridemia are risk factors for liver cirrhosis in middle-aged Swedish men [J].
Schult, Andreas ;
Eriksson, Henry ;
Wallerstedt, Sven ;
Kaczynski, Jerzy .
SCANDINAVIAN JOURNAL OF GASTROENTEROLOGY, 2011, 46 (06) :738-744
12