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Risk Classification

 

A complete medical record allows life insurance companies to keep coverage affordable and accessible and accurately access risk. We are for transparency and openness as we carry out our mission to help people take care of what matters most.


Featured Resources


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Life Insurers Express Support for Artificial Intelligence Guidance to Safeguard Consumers

ACLI commented at a meeting of the Artificial Intelligence Working Group of the NAIC, expressing its support for guidance that makes clear that artificial intelligence shouldn’t be used to make underwriting decisions or produce outcomes that otherwise would be prohibited by life insurance unfair trade practices law.

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Risk Classification Overview

Life insurers rely on verified medical information when writing policies for consumers. It’s vital that the process remain transparent and honest so that companies can continue offering affordable and accessible products for Americans.

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Genetic Testing Q&A

Why do life insurance companies need to consider genetic information when issuing a policy? Find answers in this practical and comprehensive resource.

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Protecting Americans in the COVID-19 Era

So much is uncertain right now, but not life insurers’ commitment to financially protecting as many families, individuals, and small businesses as possible.


Other Resources


News Release

Washington State Insurance Commissioner Kreidler’s Credit Score Proposal

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Article

Making Financial Protection Available in COVID-19


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Article

Consumers’ own interest at stake with genetic privacy bill


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Fact Sheet

HOW INDIVIDUAL UNDERWRITING WORKS FOR PEOPLE


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A complete medical record allows life insurance companies to keep coverage affordable and accessible. Learn more about risk classification. https://bit.ly/2YE92bR

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Why is genetic information so important to life insurance companies? Learn about this and more.
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Advances in genetic science empower consumers to better control their health and their future. It all translates into lower prices for life, long-term care and disability income insurance. https://bit.ly/2YE92bR

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#DYK Life insurers typically consider a variety of factors that impact life expectancy: a person’s age, sex, health, smoking status, lifestyle, and family health history are common. Learn more about risk classifiction. https://bit.ly/2YE92bR

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