The Added Value of Medical Testing in Underwriting Life Insurance.

Background: In present-day life-insurance medical underwriting practice the risk assessment starts with a standard health declaration (SHD). Indication for additional medical screening depends predominantly on age and amount of insured capital. From a medical perspective it is questionable whether there is an association between the level of insured capital and medical risk in terms of mortality.

Disability insurance: can underwriting criteria for the self-employed be based on predictors used for disability amongst employees?

Objective: This study aims to trace risk factors for disability amongst the self-employed. Knowledge about these risk factors can contribute to more evidence-based underwriting criteria for disability insurance.

Background: The trend towards privatization of social disability services in certain insurance markets creates a need to consider the appropriateness of underwriting criteria in applications for individual private disability insurance.