WiP Network Conference 2023: Underwriting & gender differences

Discussing the differences in underwriting decisions based on application questions, Helen Croft, chief underwriter at AIG Life, said there are differences in decisions not just because of gender; age groups and different behavioural demographics will have different responses in applications, so the protection industry must reconsider whether a blanket approach is appropriate. Overall, more women are diagnosed with mental health conditions than men, and Croft noted the differences in underwriting decisions are in keeping with population statistics: "How we access and process these disclo...