EXECUTIVE AND BUSINESS OPERATIONS JOURNAL OF THE ACADEMY OF LIFE UNDERWRITING OTR INTERNATIONAL EDITORS Asia Editor Dr. Himanshu Bhatia GenRe Asia Mumbai, India himanshu.bhatia@genre.com
ASSOCIATE EDITORS Vera F. Dolan, FALU VFD Consulting, Inc. dolanvp@consultancy.com Lauren Garfield, PhD RGA Reinsurance lauren.garfield@rgare.com LIVING BENEFITS Nancy Atkins New York Life njatkins@newyorklife.com
EDITOR-IN-CHIEF Bonnie Stroder, Certified FALU RGA Reinsurance 16600 Swingley Ridge Road Chesterfield, MO 63017 Phone (636) 736-5859 bonnie.stroder@rgare.com EXECUTIVE EDITOR Anne Bunkers, Certified FALU Prudential 308 Prairie Way S. Bayport, MN 55003 Phone (763) 519-2415 anne.bunkers@prudential.com ADMINISTRATIVE EDITOR Michelle Privett, Certified FALU RGA Reinsurance 16600 Swingley Ridge Road michelle.privett@rgare.com ADVERTISING MANAGER Chris Cunningham Phone (614) 579-7641 OntheriskAds@gmail.com Chesterfield, MO 63017 Phone (636) 736-7198
Asia Editor Gary Miles, FALU AXA Hong Kong gary.miles@axa.com.hk
European Editor Hilary Henly, FCII RGA International Reinsurance Dublin, Ireland hhenly@rgare.com Latin America Editor Freddy Velasco-A., AALU John Hancock Miami, FL underwritingxprt@gmail.com
CONTRIBUTING EDITORS Rochelle Fernandes, FALU The Canada Life Assurance Company rochelle_fernandes@canadalife.com Jennifer Johnson, Certified FALU RGA Reinsurance jjohnson@rgare.com
Jena L. Kennedy, FLMI LexisNexis Risk Solutions jena.kennedy@lexisnexis.com Michael Wetzel, MD Equitable michael.wetzel@equitable.com
CONSULTANTS
MEDICAL Nico van Zyl, MD Hannover Life Re nico.vanzyl@hlramerica.com SOCIAL MEDIA Meg Gallagher RGA Reinsurance mgallagher@rgare.com Lynn Dreist, Certified FALU Lincoln Financial lynn.dreist@lfg.com
Jennifer Dalton Munich Re jdalton@munichre.com
ON THE RISK is the Journal of the Academy of Life Underwriting. It is published under the direction of the Board of Directors of the Academy of Life Underwriting (ALU) comprising representatives of the Association of Home Office Underwriters (AHOU), the Canadian Institute of Underwriters (CIU), the ALU and OTR . It is published quarterly and printed by The Marek Group, Inc., Milwaukee, WI. Permission to reproduce articles must be obtained from the Editor-in-Chief unless copy- right is clearly indicated to be held by an author and/or a third party.
Disclaimer ON THE RISK is a professional journal devoted to the continuing education of its readers and to the exchange of information and ideas that serve those profes- sionals. Opinions expressed within the correspondence and articles published in ON THE RISK do not represent official opinions of ON THE RISK . Such expressions only represent the views of authors or persons quoted. Publication of articles discussing products, services or methods offered by vendors does not represent endorsement by OTR . Such information is published only for its value as business knowledge.
ON THE RISK vol.40 n.3 (2024)
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