The THiNK Blog

grab a coffee and give yourself the freedom to read


ReFocus 2018 Conference Highlights: Embracing Longevity Through Digital

Mar 29, 2018 3:57:04 PM / by Natalie Ho posted in Life Insurance

Earlier this month, our team attended the ReFocus 2018 conference in Las Vegas. The conference brings together executives from the life insurance and reinsurance space to discuss challenges faced globally by the industry. This year’s theme focused on the impact of life expectancy and longevity on life insurance and reinsurance. While there were a variety of insightful sessions, the highlights below focus on the digital and technological opportunities discussed at ReFocus 2018.

Read More

Five Differences Between Life Insurance and Property & Casualty Insurance

Mar 30, 2017 10:00:00 AM / by Nick Joly posted in Reinsurance, Life Insurance

When I first started working at LOGiQ3, I was tasked with working alongside our teams of reinsurance analysts, who held backgrounds in both Property & Casualty (P&C) Insurance and Life Insurance. Together, we created content like Insurance eBooks and Whitepapers, or like this piece for the blog, on the differences in types of insurance. 

Working in Life and Health reinsurance, I quickly learned that in order to firmly grasp the differences between P&C and Life Insurance, it was important to first establish a general concept of the two types of insurances.

Through my professional development, I began taking a few LOMA courses, and for anyone who might be developing their careers like I am, today I’d like to share with you a “quasi-exhaustive” overview of what I’ve come to learn in my experience in life reinsurance administration.

Read More

Three Re/Insurance Resources to Kick Off Spring!

Mar 29, 2017 3:40:22 PM / by Megan Gardner posted in Life Insurance, Reinsurance

Spring has sprung and you know what that means? Time for a little spring cleaning. What’s on the top of your list? The garage? Your closet? Kitchen cabinets perhaps?

While it may not be everyone’s favorite thing to do, you can’t deny the fantastic feeling you get from a little refresh! Why not experience that feeling at work, too? And no, I’m not taking about cleaning up your desk (although it may not hurt). I’m talking about brushing up on some professional resources to get a fresh start to the season.

Read More

Ulcerative Colitis - The Gut Feeling You Get With Critical Illness Underwriting

Mar 24, 2017 5:00:00 PM / by Seema Samad posted in Underwriting, Life Insurance

Many Life Underwriters will tell you that when it comes to underwriting ulcerative colitis, you need to know the cold hard facts, such as:

  • When it was diagnosed,
  • The severity of the disease,
  • And whether it is for life or critical illness (CI) insurance.
It cannot be stressed enough how important it is to have information in excess regarding the details, complications and testing.

The underwriter will want an APS report in addition to the application itself. The more we know about the severity of the condition, the better we can assess the risk.

Ulcerative colitis most definitely can be insurable for CI, but it is often attached with a rating. The size of the rating will be determined by our understanding of the impairment. To better understand the disease, let's take an in-depth look at ulcerative colitis.

Read More

7 Mistakes to Avoid Making on LinkedIn

Nov 16, 2016 2:56:46 PM / by Nick Joly posted in Social Media, Life Insurance

You may know that LOGiQ3 recently published an eBook called The Insurance Professional's Guide to LinkedIn. This eBook is one of many efforts that are contributing to the overall social progression of the life insurance and reinsurance industries. Their communal goal is to educate insurance professionals on the power of social media and highlight how they can leverage it to get the most out of their careers.

One of the articles from the eBook that's been well received is "7 Mistakes to Avoid Making on LinkedIn" from which you can find two listed below, as well as the option to download the eBook to ensure you get all the insights! So what are some of the common mistakes you can avoid making with your account on LinkedIn? Let's take a look!

Read More

Artificial Intelligence Impact on Insurance

Oct 28, 2016 8:00:00 AM / by Max Kraus posted in Innovation, Insurance, Reinsurance, Life Insurance

Did you know that tweets could soon be used to help insurers price premiums? That’s right! Insurance companies are looking into ways to combine social media data with artificial intelligence and predictive modeling to inform coverage among other aspects of insurance programs. Or at least that is what Paul Lucas of Insurance Business Magazine explained in his recent article!

As someone new to insurance, reading about innovative ideas such as this gets me excited for the future of the industry. I mean, it really seems like the opportunities are endless! I had a similar ‘awe-inspired’ experience after recently hearing insights from The Insurance Disrupted Conference.

Read More

4 Questions and Answers Revealing the Behind the Scenes of LOGiQ3 Underwriting

Sep 16, 2016 11:07:23 AM / by Seema Samad posted in Underwriting, Life Insurance, LOGiQ3

As a longer-standing member of LOGiQ3’s team of underwriters, I often get asked a lot of questions, both from an internal coaching perspective, as well as an external interested stakeholder perspective. On the external side, the number one question I get asked is, “HOW do you pronounce the name of your company!?” And I tell them, just exactly how you would think ;).

Once they get over that hurdle and blush from the fact that it is actually an easy name to pronounce, they move onto things like: “What is your workflow like?” or “What types of life insurance products do you handle?” “What resources do you have access to?” All very logical questions if you ask me! Below is actually a direct quote from a current colleague of mine who, prior to joining, was interested in working for us. And this is just a short snippet from the 21 questions game we played about the company in what was a very long (re: humorous & enjoyable) email chain indeed.

Read More


Aug 30, 2016 9:52:42 AM / by Garen Markarian posted in Underwriting, Life Insurance

Recently I wrote an article on Financial Underwriting and how it relates to Crime Scene Investigations. I loved seeing all of the discussions it sparked on LinkedIn! In that article, I outlined the concepts of underwriting financial life insurance products and thought I’d expand my reach by sharing some of my expertise on a hot topic that is definitely going to be having an impact on the life insurance industry; pharmacogenetics.

I’ve decided to break this out into two parts. In part 1 of this series, I’ll walk you through the definition of pharmacogenetics, various related concepts and dive into the specifics of DNA and Genetic Code. Part 2 will talk explicitly about how pharmacogenetics will have an impact on the life insurance industry, and more specifically, on life underwriting. All of this knowledge is aimed at helping underwriters grow! After all, for underwriters to set themselves apart from the masses, knowledge, expertise and a great attitude are their biggest differentiators.

Read More

Underwriting HIV Series Part III:  Building a Qualified Team

Jun 30, 2016 9:25:16 AM / by Bill Berthiaume posted in Underwriting, Life Insurance

With the recent news of a major Canadian Life Insurance Company offering coverage to individuals with HIV, our three-part-blog series has explored various elements of how this major change affects the industry, companies and underwriters alike. While we discussed how to switch the perspective of an underwriter as well as the intricacies & concerns for underwriting HIV+ clients - we haven’t addressed the impact on an underwriting team.

Read More

[Underwriting HIV Series] Changing an Underwriter’s Perspective on HIV

Jun 22, 2016 3:44:42 PM / by Belinda Escultor-Chua posted in Underwriting, Life Insurance

Read More