Contingencies is an actuarial publication for the life and health insurance industry. Hank coauthored an article with Tia Sawhney, FSA focusing on contemporary underwriting practices of interest to all chief underwriters. With their permission, here is the PDF of this article, as published in the November/December edition of this widely-read publication.

In this November 3, 2008 article, Hank explains why recent media criticism of Rx profiling is flawed and how underwriters must make sure this information is used properly in risk appraisal.

http://www.lifeandhealthinsurancenews.com/cms/nulh/Weekly%20Issues/issue...

We invited Dave Wheeler, FALU, Sr. VP and Chief Underwriting Officer, to evaluate our Continuing Education Program. After feedback from his underwriters, this is what Dave had to say about our CE program:

The October website article by Hank reviews patient noncompliance with routine medical screening and how this is a major risk-taking behavior. It is fully documented from the worldwide medical literature. In this article, Hank argues that both risk-taking behaviors and findings consistent with the "healthy adherer" effect should be included in teleinterviews and used in risk assessments.