I am often asked how CIExpert arrives at its scores for critical illness conditions
There is no secret to this because it uses similar techniques to the reinsurers who underwrite the plans and base their premiums on the likelihood of a claim. Unlike reinsurers, it does not incorporate assumptions of trends. Nor is there any fat or profit margin, because it simply reflects the most up to date incidence figures taking into account the comorbidities and other factors that influence them. Males and females demonstrate varying risk levels because many conditions are gender specific...
‘Step in the right direction’
‘Over the past four years the playing field has changed’
Importance of advice & full disclosure
Following January 2020 changes
‘Connecting the dots’