The THiNK Blog

grab a coffee and give yourself the freedom to read



coffee-cup-zoomed-in-hero

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.

Read More

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.

Read More

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.
Read More

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.

Read More

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?

Read More

Music Therapy and Cognitive Impairments

Nov 20, 2019 8:45:00 AM / by Garen Markarian posted in Underwriting, Thought Leadership, Whitepapers and Research, Life Underwriting

This article was originally featured in the September 2019 Issue of OTR, titled 'Music to My Brain', and is reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting.

Read More

Introduction to Life Underwriting

Nov 13, 2019 9:27:00 AM / by Eldrida Ruiz

The general population doesn’t know what life underwriting is or what a life underwriter does. Introducing yourself as a life insurance underwriter typically gets you blank stares. Based on personal experience, it would go something like this:

Read More

Life Underwriting Expert Series – Acromegaly and Pituitary Tumors

Sep 5, 2019 1:21:08 PM / by Garen Markarian posted in Underwriting Expert Series

If you grew up in North America in the 1980s, there’s a good chance you’re familiar with, or even watched, the wrestling television program called the World Wrestling Federation (WWF). This sports show included popular wrestlers Hulk Hogan and “Macho Man” Randy Savage.  Many of these athletes were larger than life, but one redefined the term “giant.” André Rene Roussinoff, better known by his ring name André the Giant, stood 7’4” (224 cm) with a billed weight of 520lbs (236 kg). He appeared ginormous in the ring, and as a kid, I figured he was just a huge person. In fact, Andre the Giant suffered from a rare endocrine condition called Gigantism that causes abnormal growth during childhood and adolescence.

Read More

Business Leadership Series Part 7: Motivate the Team

Jul 30, 2019 3:21:42 PM / by Raymond E. DiDonna posted in Business Leadership Series

You’ve made it to the final instalment of the business leadership series. Your business model is sound, the vision is set, and the operation is running – but how do you keep your people motivated and ready to do their best work, day after day, month after month, year after year?

Read More

Life Underwriting Expert Series: Off-Label Drug Use

Jul 26, 2019 11:56:00 AM / by Al Thai posted in Underwriting Expert Series

The medications we take control our ailments and make us feel better, but what many patients don’t know is that the pills they take may not be approved for their condition. After all, in the US, Canada, and the UK once a medication is approved to treat a condition, a physician can legally prescribe it for any other purpose. This medical practice of writing prescriptions for non-approved medication is called off-label prescribing or off-label drug use. Off-label prescribing is widespread in medicine: some estimates place the rate of all off-label prescriptions as high as 20%, with psychiatric drugs alone at 31%.

Read More