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Perspective

Unsere Perspektive

  • Critical Illness Compliance Issues

    Von Steve Rowley |July 23, 2013|English

    Working through the filing process and addressing various state objections can be a daunting and frustrating task for nearly any insurance product. In the case of Critical Illness (CI) insurance, this task is compounded in many states by their inexperience...

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  • Critical Illness Claims Adjudication

    Von Steve Rowley |June 12, 2013|English

    Critical Illness claim adjudication is an important part of the risk management process. As such, it is important to recognize the unique skills required to properly adjudicate a Critical Illness claim so that the insurer provides fairly the benefits...

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  • Group Critical Illness Pricing Challenges

    Von Steve Rowley |May 06, 2013|English

    In our December 2012 blog on Critical Illness Pricing 101, we discussed some of the steps needed to develop population incidence rates for initial claim cost and the consequent adjustments made, based on underwriting and benefit trigger definitions....

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  • Critical Illness - Group Participation Success Factors

    Von Steve Rowley |April 10, 2013|English

    Our last two Critical llness blogs focused on the challenges associated with multilife underwriting as it pertains to CI insurance. Both highlighted the importance of participation levels on voluntary cases. This entry focuses on some of the more...

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  • Critical Illness: Guarantee Issue and the Law of Large Numbers

    Von Steve Rowley |March 04, 2013|English

    Our last blog outlined some of the challenges of multi-life underwriting for Critical Illness in the U.S.. This post focuses more narrowly on the need for required participation levels. Every multi-life underwriter knows that each group encompasses...

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  • Multilife Critical Illness Underwriting

    Von Steve Rowley |February 13, 2013|English

    Multilife CI underwriting in the U.S. currently presents some greater challenges than are present in other lines of voluntary worksite/group business. Critical Illness, as the proverbial “new kid on the block,” is not well understood by...

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