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  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...

Historically, there have been very few underwriting niches that truly provided expansive new sales opportunities. Life insurance companies have sometimes, often accidentally, discovered market segments that were being assessed based on outdated actuarial data or medical information, and tried to target those segments with more aggressive underwriting offers. But mostly, when I have come across various intriguing niches over the years, many are too narrow in scope and not all that significant in terms of the potential market size.   But recently, I discovered what I think is an exception. ...