Small wonder actuaries and underwriters fear anti-selection
by employees who choose to port other products.
Most voluntary group life and disability insurance products have minimum participation requirements to mitigate anti-selection
5 billion annually due to anti-selection
pressures when cover is not mandatory.
Because a smaller percentage of employees generally participate in voluntary plans, and those employees pay a higher share of their premiums than on an employer-paid plan, the risk of anti-selection
increases on a voluntary plan.
A YEAR at an inner-city English comprehensive school for anti-selection
campaigner Martin McGuinness.
They have not even been privy to a worthwhile debate, as anti-selection
campaigners preferred to speak of 'educational apartheid' rather than present intelligent arguments.
However, the ultimate performance of the business may be influenced by the persistency of this block, the adequacy of its recent rate increases and the potential for anti-selection
Are policyholders subject to the risk of anti-selection
if the better risks are transferred to investors?
Whether your plan offers a single or multi-pay structure, recurrence coverage, or full or partial benefits for particular conditions, the general underwriting concerns remain the same: Mitigate risk, ensure optimal spread of risk and limit anti-selection
Dr George Parfitt, of the Birmingham branch of the anti-selection
Campaign for State Education, said a fresh crusade would begin in the next two weeks to target this year's batch of eligible voters.
The company's ability to take rate increases and avoid adverse persistency and anti-selection
have been enhanced by the announced withdrawal of its two competitors from the rural electric coop market this year, and the necessity of insurance for the rural electric coops.
The proposed change in underwriting approach should allow Kaiser to remain competitive in the commercial market and reduce the company's exposure to anti-selection