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Can Suicide Risk Be Significantly Influenced by Underwriting?
Von Dr. Chris Ball June 06, 2019English
Suicide often leaves the bereaved with more questions than answers. Many will find it difficult to ever understand why such a drastic step was taken. The risk factors for suicide traditionally considered by life insurance underwriters are highly influenced...
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Why Do Some People Survive to Age 100? - An Actuary’s Perspective
Von Beata Puls May 29, 2019English
Developing reliable life tables is one of the most important objectives for life insurance companies. Mortality rates for single ages are usually very small numbers and we need a rather large sample size to obtain reliable estimates. Otherwise, they...
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Small Changes, Big Impact - How Behavioral Economics Can Improve Life Insurance Application Medical Condition Disclosures
Von Heidi Alpren May 20, 2019English
Small changes can sometimes have a big impact. This is particularly true in the realm of Behavioral Economics. At its core, Behavioral Economics (BE) challenges the traditional economic theory that individuals are sound and rational (“slow”)...
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Are Centenarians Different - or Just Lucky?
Von Jean-Marc Fix, FSA, MAAA May 10, 2019English
Centenarians are rare, but they are among the fastest growing population segments in the U.S. and throughout the developed world - and what is rare is special. But why are they special? Unfortunately, we humans are better at rationalizing than at rational...
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To Be or Not to Be Digital - That Is the Question in Australia and New Zealand
Von Rob Frank April 16, 2019English
Life and Health insurers in Australia and New Zealand are ready to take their next big step in using Behavioural Economics (BE) to improve loss duration. BE is about increasing interactions with customers and trying to encourage changes in behaviour,...
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Mixed Martial Arts - A Controversial Combat Sport
Von Claudia Breuer April 09, 2019English Deutsch
The risks associated with the practice of mixed martial arts (MMA) should always be assessed with a high level of attention. The practice of this sport, however, does not yet say everything about the risk potential. Mixed martial arts is a controversial...
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