Detoxology herbal medicine Urology Medical fellowship Usmle Trauma doctor Traumatology Transport Medicine Transplantology Transfusion Medicine Toxicology Robotic surgery Trauma surgery Plastic Surgery Bariatric surgery Surgical Oncology Laparoscopic surgery General Surgery Vascular Surgery Thoracic Surgery Pediatric Surgery Medical students Sports Medicine Rheumatology Radiotherapy Radiotheraphy Radiology Pulmonology Public Health Emergency Medicine Endocrinology Family Medicine Flebology Forensic Medicine Gastroenterology Geriatrics obstetrics Gynecology Hematology Hypertensiology Internal Medicine Laboratory Diagnosis Medical Microbiology Medical Rehabilitation Medical informatics Neonatology Nephrology Neurosurgery Neurology Nuclear Medicine Occupational Medicine Ophthalmology Orthopedics Otorhinolaryngology Palliative Medicine Pathology Pediatrics Physiotherapy Proctolog y Psychiatry detoxology Aesthetic medicine surgical anatomy Anesthesiology Angiology Audiology Balneology Cardiac Surgery Cardiology Clinical Genetics Clinical Immunology Clinical Pharmacology Dentistry Dental Surgery Maxillofacial Surgery Implant Dentistry Orthodontics Periodontics Prosthodontics Conservative Dentistry and Endodontics Diabetology Medical Exams MRCS FRCS MRCP MRCOG MRCPCH MRCPGP MCCEE MJDF/MFDS IELTS Case Study
Steve Savant is a national insurance columnist, financial color commentator and host of the daily Internet talk show, The Business Insurance Zone. Steve’s special guest – Chief Underwriter Kathy Fell. When Kathy started her career the preferred classifications were just being developed and they ran the full gamut in the 80’s and 90’s. One company actually had 16 different gradations of preferred on their term portfolio, though the most I had to handle was 8…a really tough spot for underwriters by the way. Try selling the difference between total cholesterol of 210 versus 225mg. It was all pricing! The industry went through a wonderful medical boom with the advent of lab tests that brought us many opinions on the interpretation of elevations in liver enzymes, CDT and PSA testing. Further advances have allowed us to improve our cardiac offers to the point where “standard” is an almost everyday occurrence on those with coronary bypass history. The current hot topic is Predictive Analytics. AXA is heavily engaged in developing this important area of “hands free” risk assessment. The use of predictive analytics allows models to show where non-traditional data (e.g. life style variables) is a good substitute for traditional underwriting requirements like paramedical, APS and fluids. External data will not prove causation for mortality, but rather identify correlation, which should improve mortality consistency. AXA’s auto pool and facultative reinsurers are one in the same. Our reinsurance partners currently include: Gen Re, Hannover Life Re US, RGA, Swiss Re, and SCOR. The top reasons clients look to AXA are: large retention, our ability to apply up to 50 credits through our Good Health Credit Program and our broad research to bring niche expertise in areas such as skin cancer, prostate cancer and coronary artery disease. It’s also interesting to note that we issue over 70 % of our cases in our preferred classes.