The THiNK Blog

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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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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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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.

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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%.

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2019 Update on Type 2 Diabetes: New Advances in Management and Monitoring

May 14, 2019 12:02:12 PM / by Al Thai posted in Life Underwriting, Underwriting Expert Series


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Life Underwriting Expert Series: Longevity and Life Insurance

Apr 2, 2019 2:04:01 PM / by Vicki Zandbergen posted in Life Underwriting, Underwriting Expert Series


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16 Blogs Life Underwriters Need to Read

Jan 31, 2019 9:50:18 AM / by Darlene McFadden posted in Underwriting Expert Series

The new year offers a fresh start for everyone to set new goals and achieve new heights in their personal and professional lives. Life underwriters looking to get a jump on their career goals and refresh their knowledge can turn to our Underwriting Expert Series. With tips straight from industry experts, we unpack underwriting trends and challenges and offer a deep dive on the unique challenges that underwriters face.

Get ready for the year ahead by reading 16 articles that helped underwriters excel and underwrite with confidence last year:

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Top Considerations for Underwriting Critical Illness: Underwriting Expert Series Week 16

Dec 20, 2018 2:14:57 PM / by Karen McLeod posted in Life Underwriting, Underwriting Expert Series


The huge variety of products, special cases, and unique considerations that underwriters face every day make it an exciting but challenging industry to keep up with. Our expert series aims to make it a little easier by providing resources straight from industry experts on the topics that underwriters are facing now.

Critical illness (CI) insurance is an area that life underwriters face that can be complex and involve detailed review to get right. Karen McLeod, Senior Underwriter & Learning Specialist, shares her advice and top tips how to approach critical illness as a life underwriter.

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