The THiNK Blog

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Sep 9, 2020 10:33:00 AM / by Karen McLeod

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 proper educational foundation. What exactly is hepatitis? Who is most at risk? What do the lab results really mean?

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Changes in the Demographics of Strokes

Jul 19, 2020 8:12:51 PM / by Elliott Dickson

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. After all, the risk of stroke doubles every decade after age 55 with the majority (75%) of strokes occurring over age 65. The logic behind this is not mysterious: high blood pressure, diabetes, cholesterol issues and obesity are the traditional risk factors, and these are simply more common in older age groups.

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Underwriting Expert Series - Polycystic Ovarian Syndrome

Jul 17, 2020 10:39:42 AM / by Tiffany Primerano

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. The syndrome can have a wide range of long lasting physical, mental, and emotional impacts, so understanding the symptoms and long-term effects is crucial for underwriters to make an informed assessment.

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How to Create Effective Development Plans for Life Underwriters

Jun 29, 2020 12:20:33 PM / by Karen McLeod

Each person has their own quirks, the little things that help make them who they are today. When it comes to training, mentoring, and learning, it’s important to be conscious of the fact that we are not all cut from the same cloth. We all come to the table with different personal and professional experiences, expertise, adaptive learning techniques, and career paths – and definitely different personality traits. For this reason, we must be cognizant of these differences, embrace them, and ensure that we tweak our training sessions and/or development plans to encompass the position(s) of the audience.

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Working Remotely and Attempting to Stay (or become) Healthy

Apr 27, 2020 2:10:35 PM / by Vicki Zandbergen

Does a journey to health = 10,000 steps?

I’m a life insurance underwriter, someone who assesses risk related to insurance applications. I have regularly worked from home even prior to businesses making the shift to remote work setups due to the pandemic.

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Life Underwriting Expert Series – Nonmedical Juvenile Underwriting

Feb 20, 2020 4:21:22 PM / by Eldrida Ruiz posted in Underwriting Expert Series

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 they’re received. Let's talk about some of the non-medical aspects we look at in juvenile applications.

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Life Underwriting Expert Series – Exercise Cardiac Testing: 10 Signs to Watch for

Dec 17, 2019 10:02:47 AM / by Elliott Dickson posted in Underwriting Expert Series

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 factors, cardiac testing is a common protocol. As life underwriters, we analyze stress tests on a monthly if not more frequent basis.

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Life Underwriting Expert Series – Parathyroid Glands and Disorders

Dec 10, 2019 4:36:22 PM / by Garen Markarian posted in Underwriting Expert Series

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 control. Some common gland disorders, for instance those involving the thyroid, are often seen in the insurance industry. On the other hand, Parathyroid disorders are not as prevalent and therefore make an interesting topic for a medical underwriter to review.
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ECG Interpretations and Common Benign Rhythms – Straight from the Heart

Dec 3, 2019 11:26:58 AM / by Al Thai posted in Underwriting, Thought Leadership, Whitepapers and Research, Life Underwriting

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.

Author: Al Thai, MD Underwriter LOGiQ3 Corp.

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Vaccination and the Insurance Industry: Trends and Considerations

Nov 27, 2019 8:30:00 AM / by Al Thai posted in Life Underwriting, Underwriting Expert Series

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 target practice. Indeed, it is something of a scientific and immunologic marvel. Given this achievement in science, why is a growing subset of the population turning their backs on vaccines, and how will that impact the life underwriting industry?

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