Risk Classification

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.

Featured Resources

Risk Classification Overview

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

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.

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.

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

Washington State's Credit Score Proposal

News Release

Making Financial Protection Available in COVID-19

Article

Preventing Loss of Life Due to Opioid Overdose

News Release

How Individual Underwriting Works for People

Fact Sheet