What is the ‘hidden healthy’ and how does it aid in underwriting?

by Brian Lanzrath on September 30, 2013

We’ve talked a lot this month about the declining rates of individually owned life insurance policies. Consumers tell us one of the reasons is the perception that it “costs too much.” One of our predictive modeling tools, Risk IQTM, has shown promise in getting more individuals into preferred classes and has the potential to get more families covered.






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