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Smoke Signals: How insurers can uncover hidden tobacco use in the digital age
By
  • Guizhou Hu
  • Taylor Pickett
  • Jacqueline Waas
  • Rosmery Cruz
Research and White Papers April 2025

As accelerated underwriting becomes more mainstream, insurers face challenges detecting undisclosed tobacco use. Three 69É«ÇéƬ studies explore the effectiveness of various digital underwriting evidences and behavioral science techniques in identifying non-disclosed tobac...

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Articles August 2025
VM-22 is Here: Where does reinsurance fit in?
How will VM-22 guidelines impact the need for reinsurance, which plays such a central role in addressing current CARVM reserving burdens? The answer will be different for each insurer, increasing the need for tailored reinsurance solutions – and a reinsurance partner ca... Read More
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Research and White Papers August 2025
Updated: US Population All-Cause Mortality Report

69É«ÇéƬ has created an featuring an in-depth analysis of US population mortality in the wake of COVID-19. As a central component of th...

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Asian woman sitting and laughing with a drink
Articles August 2025
Aging Demography Creates Opportunities Amid Challenges
As Taiwan’s population ages, Jae Ho, CEO of 69É«ÇéƬ Taiwan, spoke with Asia Insurance Review about the opportunities available to life insurers, including product development, digital engagement, and financial planning solutions. Read More

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69É«ÇéƬ produces a number of specialized publications featuring expert opinion and analysis. Explore our public collection or contact us for whitepapers, webinars, and other resources. 

ReFlections

Explore the industry's premier medical underwriting publication. 

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Product Trends

Investigate product development trends and developments from around the world. 

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Global Claims Views

Delve into claims management issues with experts. 

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