ON THE RISK September 2024

TABLE OF CONTENTS

TABLE OF CONTENTS The Underwriting Quiz ............................................................. FALU Club of RGA 8 Calendar of Coming Events....................................................................................10 OTR News - Twenty-Three Years Ago, William Phillips Reflected on the Advances Made in Underwriting; As We Celebrate 40 Years of ON THE RISK , We Take a Look Back at the Evolution of Covers Over the Past 40 Years; OTR Remembers - Henry “Hank” George; 2024-2025 Certified FALUs; 2024-2025 Certified Professional Underwriters . .............................................. 12 Local, Regional and International Associations News: Highlights of the 20 th Anniversary of the International Underwriting Study Group ......................................................................................................... R. Shabetai 30 Highlights of the 2024 AHOU Conference - Embrace the Underwriting Revolution - Continued................................................................... S. Clément 34 ALU Survey Results . ....................... L. Boucher, C. Martin, L. Wheeler, K. Amen 42 Highlights of the Twin Cities Association of Home Office Underwriters 2024 Spring Conference................................................... T. Sundstrom, A. Bunkers 50 Underwriting Adult Survivors of Childhood Cancers . ........................ J. Iacovino 56 The Future of Infectious Diseases: Q&A With Dr. Michael T. Osterholm by Dr. Daniel Zimmerman . .................................. D. Zimmerman, M. Osterholm 60 Six Planes Down: The Magnitude of Nicotine’s Impact on Mortality .............................................................................................................. J. Fariss 64 Future Trends in Predictive Modeling and Its Impact on Life Insurance Underwriting . .................................................................................. N. Kaushik 68 Are “Combo Debits” Necessary? The Case of Diabetes and Smoking ............................................................................................................. S. Rigatti 70 A Pinch of Accelerated Underwriting and a Dash of Simplified Issue: Could It Be the Perfect Recipe for Risk? . ................................ T. Pickett, M. Cusumano 74 Index to Advertisers ................................................................................................ 78

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ON THE RISK vol.40 n.3 (2024)

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