BEST'S REVIEW Número 11 103 2003
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Publicacion: Best's Review

Número 11 103 2003



Title Author Pages
Quiet clout : much of the power in regulating and governing the insurance industry belongs to those who've never won an election or a cabinet-level appointment
Letting go : insurers increasingly are turning away from direct ownership of real estate
Property/Casualty : getting the price right : savvy personal lines writers are slicing the market into segments to price risk more accurately
Terror on the seas : although terrorism is growing as a risk for marine insurers, they are still focusing on the same underwriting factors - geography, type of cargo and packaging
Hired help Laster, David P. 33-35
Taking the time : although insurers say they haven't changed their underwriting standards, they are investing more time and money to add staff, improve technology and extend research
True value : few insurers meet the challenge of making a profit through underwriting prowess and investment returns - but the ones who do, share interesting characteristics
Property/Casualty marketplace
The captive solution : insight : there are real advantages for both lenders and mortgage insurers that choose to be involved in captives
Loss/Risk management notes
The knowledge gap : insight : many companies face an education gap in managing workers' compensation cases
Mining a rich vein : low market penetration offers insurers with conservative products and strict underwriting a chance for profit in individual disability-income insurance
Doing the splits : health insurers can improve profitability by dividing marketing, sales and service dollars among the most productive relationships
A new generation of care : insight : the growth of consumer-directed health plans may be the answer to picking up managed care's unfinished agenda
Life/Health marketplace
Getting to horizontal : insight : the 20th-century life underwriter often slowed down the process of an application, or stopped it altogether. The new underwriter will become more of a team player
E-sign here : many insurers have adopted a wait-and-see stance toward e-signatures because of uncertainty about compliance and lack of case law
Creative solutions : insight : alternative resources can help companies deal with obsolete technology manage costs and achieve growth
Taking a punch : insurers never anticipated a bear market so long and deep that it would ravage their variable-products businesses -and cause them to rethink how they conduct them
Managed choice : health insurers are responding to consumer demand for more options with tiered pricing for doctors and hospitals patterned after pharmaceutical pricing plans
Open road : technology engineers are pursuing newer and better ways tºo implement straight-through processing on the Web. Satandards make it possible