Time to let go of our comfort blankets

The introduction of rules engines, redesign of application questions, expanded reflexive questioning together with a more pragmatic approach to ratings means that today, around 85% of applicants are underwritten without medical evidence. As an industry, our focus has therefore shifted to how we can improve the process for those applicants for whom medical evidence is required.   Good progress has been made with nurse screenings, laboratory tests and, to a certain extent, medical examinations as they are already returned in a structured format which lends itself to automation. However, au...