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 Part Two of Windsor's "Key Takeaways From the 2026 AHOU Conference" continues the momentum with three discussions that explore the operational realities shaping underwriting today. The underwriting innovation panel leads off with an insightful look at rapidly changing underwriting environments designed to result in accurate decisions, faster cycle times and higher placement ratios. A leading reinsurance medical director then turns the spotlight on underwriting rheumatoid arthritis and related inflammatory diseases — exploring how, in the final analysis, diagnosis is only the startin...

 Let's start with a simple observation.  Most retirement conversations still revolve around the same three themes:  accumulation, income and rate of return. Those are familiar, comfortable topics. They're the backbone of how many of us were trained. But when you step back and look at the conversations we aren't having, a pattern emerges. We're not consistently talking about what happens when a client lives longer than expected, or when their independence changes, or when care needs show up in ways they never planned for. And it's not because we don't know these risks exist....

A few years ago, we began one of our most popular blogs by writing, "If we had a nickel for every time a carrier suggested we spend more time showing life insurance as a supplemental retirement income strategy, we would have a ton of nickels.  After all, Windsor was created almost 50 years ago by Jerry Schwartz and Hal Brooks when Universal Life and Interest Sensitive Whole Life were first invented.  From that time on, we've been steadily promoting the unique advantages of life insurance.  But we have a stake in the game." The "view from outside the industry" that...

Life underwriting has changed significantly in recent years with the use of Accelerated Underwriting (AU) and other tools, focusing on making life insurance faster and less invasive for applicants while maintaining reliable mortality outcomes. In addition, the life industry is in the early stages of using Artificial Intelligence (AI) to further drive changes and enhancements to the underwriting process. To gain insight into current AU trends and the industry's use of AI and other tools, we asked three leading underwriting experts to share their perspectives on what they see happening today and...

  The world of life insurance underwriting is shifting fast, with new challenges emerging on multiple fronts. From artificial intelligence reshaping risk assessment to ever-evolving regulations and complex financial considerations, underwriters must stay ahead of the curve.  In Part Three of our series on the 2025 Pacific Life Underwriting Symposium, we bring together industry experts for three engaging discussions: one exploring the power and pitfalls of accelerated underwriting and AI, another tackling the regulatory hurdles shaping the market, and a third evaluating business and f...

  Life underwriting is undergoing a profound transformation, shaped by advancements in medical research, evolving risk assessment strategies, and the growing complexities of chronic illnesses. As insurers navigate this shifting terrain, the need for informed discussions has never been more crucial. In Part Two of our Pacific Life 2025 Symposium Blog, we present a series of insightful sessions featuring industry experts, medical professionals, and underwriting specialists. They offer valuable perspectives on how insurers can balance risk with opportunity in a rapidly changing landscap...