Doctor with hepatitis test
Articles June 2025
Underwriting Liver Function Tests Using a Data-Driven Approach

Ë¿¹ÏÊÓÆµAPP's innovative LFT calculator, now available in the US market, enhances life insurance underwriting by instantly translating complex liver function data into precise mortality risk assessments.

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And older couple embraces in a park
Articles June 2025
Taiwan's Retirement Readiness: Navigating challenges in a super-aged society

A new survey from Ë¿¹ÏÊÓÆµAPP and the Society of Actuaries (SOA) Research Institute reveals crucial insights into Taiwan's retirement landscape, highlighting the need for insurers to adapt to digital trends, address long-term care gaps, and engage younger consumers to naviga...

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Dan Brandt Quick Takes photo
Videos June 2025
Video: Addressing the Gender Mortality Gap

The gender longevity gap is widening. How can insurers bridge the growing divide? In this short video, Ë¿¹ÏÊÓÆµAPP expert Dan Brandt unveils a three-pronged approach to revolutionize life insurance. 

After you watch,

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Doctor and patients looking at an xray
Research and White Papers June 2025
Lung Cancer Screening: What promise might future technological advancements hold?
Lung cancer remains a leading cause of cancer deaths globally. In this article from Ë¿¹ÏÊÓÆµAPP's Read More
Man and woman stretching
Research and White Papers June 2025
Non-Traditional Risk Factors: Can musculoskeletal fitness enhance risk profile differentiation?
In this article from Ë¿¹ÏÊÓÆµAPP's Read More
Various e-cigarettes
Research and White Papers June 2025
Nicotine and the Cotinine Test: The cost of consumption
This article, from Ë¿¹ÏÊÓÆµAPP's Read More
Socially assistive robot with patient
Research and White Papers June 2025
Ë¿¹ÏÊÓÆµAPP Brief: Socially Assistive Robots as an Integral Part of Senior Care
In this article from Ë¿¹ÏÊÓÆµAPP's Read More
Medics with patient in her home
Research and White Papers June 2025
Ë¿¹ÏÊÓÆµAPP Brief: Hospital at Home
In this article from Ë¿¹ÏÊÓÆµAPP's Read More
ReFlections - June 2025
Publications June 2025
ReFlections: Volume 65, June 2025

Explore in-depth articles on important medical topics and stay up to date on a range of hot-button issues impacting life and health insurers, from technology advancements for lung cancer screening to the use of robots for elderly care.

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Red airplane with a pilot in a field
Articles May 2025
Set to Soar: Examining the purpose and power of partnerships

In an increasingly complex landscape, strategic partnerships enable insurers to leverage technological innovations, behavioral science, and tailored solutions to enhance underwriting processes, improve customer experience, drive business growth, and create durable co...

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Senior couple walking outside in fall
Articles May 2025
Reinsurance Provides the Missing Piece in Canada’s Pension Puzzle

Reinsurance is revolutionizing Canada’s pension risk transfer (PRT) market, providing crucial capacity and expertise for innovative de-risking solutions.

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Ambulance EMTs working on patient
Articles May 2025
Ë¿¹ÏÊÓÆµAPP Brief: US drug overdose deaths drop to near pre-pandemic levels

Drug overdose deaths in the US dropped 27% in 2024, approaching pre-pandemic levels. Competing factors make it challenging to determine whether this trend will continue.

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Gene editing
Articles May 2025
Ë¿¹ÏÊÓÆµAPP Brief: World’s first personalized gene-editing treatment has arrived
A groundbreaking technique used on a baby boy with an ultra-rare condition promises to usher in a new era of genetic disease management. Read More
Woman standing in the woods looking at a compass
Research and White Papers May 2025
Navigating the Unknown: Mortality considerations for underserved markets
An Ë¿¹ÏÊÓÆµAPP industry study reveals mortality disparities between insured and underserved populations. This highlights the need for innovative approaches in underwriting, product design, and market engagement to responsibly expand life insurance coverage while managing increa... Read More
Person in red outside wearing mask
Articles May 2025
Five Years Later: COVID-19’s legacy in insurance underwriting and new business acquisition

Five years ago, COVID-19 sparked significant changes in insurance underwriting and new business acquisition that could point to how insurers will handle risk five years from now. 

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Sara Goldberg
Videos May 2025
Video: Known Unknowns in Mortality
In this insightful two-minute video, Sara Goldberg, Vice President and Actuary at Ë¿¹ÏÊÓÆµAPP, delves into the challenges of assessing mortality risk today – from post-pandemic trends to mental health considerations. She highlights Ë¿¹ÏÊÓÆµAPP's dedication to unraveling these intricate... Read More
Woman looking in microscope in a lab.
Articles May 2025
Medical Advances Spur Insurance Product Innovations

Recent medical advances, from cancer detection tests and personalized medicine to weight management and dementia diagnostic tools, have spawned a wealth of new insurance product innovations.

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Elderly woman getting care from a nurse
Articles May 2025
Reinsurance Resurgence: State of the long-term care industry
In this article, originally published in the Oliver Wyman Long-Term Care Lowdown newsletter, Ë¿¹ÏÊÓÆµAPP’s Bruce Stahl discusses his view on the evolution of the LTC reinsurance market, including how industry experts are navigating complex factors such as policy c... Read More
Adults doing a tug-of-war
Articles May 2025
AI and Insurance Underwriting: How to avoid a Squid Game tug-of-war

The smart path forward with artificial intelligence (AI) integration in insurance underwriting is to avoid turning AI development into a battle between humans and technology; instead, approach the relationship as a collaboration that amplifies the strengths of both.&...

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Woman looking at a study
Research and White Papers April 2025
Smoke Signals: How insurers can uncover hidden tobacco use in the digital age

As accelerated underwriting becomes more mainstream, insurers face challenges detecting undisclosed tobacco use. Three Ë¿¹ÏÊÓÆµAPP studies explore the effectiveness of various digital underwriting evidences and behavioral science techniques in identifying non-disclosed tobac...

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