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In recent years, microdosing has become an increasingly discussed topic, posing significant challenges to the underwriting of life insurance applications. While not yet widespread, microdosing is gaining mainstream awareness and warrants the careful attention of agents during the interview and application process. Microdosing involves the ingestion of very small quantities of a psychedelic substance to achieve specific benefits, including improved mood, mental health, creativity, energy, cognition, and awareness. Substances such as LSD, Psilocybin, mescaline, ketamine, and others are consumed ...

The 2024 Pacific Life Underwriting Symposium took place recently with an excellent slate of discussion topics and life insurance industry representation.  Most platform discussions were in a panel format with Pacific Life, Distribution, Reinsurance, Retrocessionaire and Technology representatives contributing and participating. It's not often that we have the opportunity to pull together important life industry players to exchange views on critical and relevant underwriting topics that impact our businesses.  Congratulations go to Susan Ghalili and her team at Pacific Life for being ...

What an extraordinary year it has been for life underwriting.  We've experienced rapid and remarkable changes on a number of fronts — some positive and helpful, others more challenging — and all either accelerated by, or initiated because of, the COVID-19 pandemic. We've seen the expansion of technological enhancements and automation of the underwriting process, helping get cases approved more quickly and with less hassle for our applicants.  Conversely, we continue to see COVID-related underwriting restrictions that sometimes affect our ability to get coverage issued, especially wit...