Postclaim underwritting and the verification of insured information : evidence from the life insurance industry
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| Tag | 1 | 2 | Value |
|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20190014021 | ||
| 003 | MAP | ||
| 005 | 20190524085025.0 | ||
| 008 | 190517e20190301usa|||p |0|||b|eng d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a341 | ||
| 100 | $0MAPA20180001253$aBisco, Jill | ||
| 245 | 0 | 0 | $aPostclaim underwritting and the verification of insured information$b: evidence from the life insurance industry$cJill M. Bisco, Kathleen A. McCullough, Charles M. Nyce |
| 520 | $aThis research investigates information verification by life insurers with respect to postclaim underwriting through denied and resisted claims. We provide a theoretical model to explore the optimal strategy for insurers regarding preloss versus postclaim underwriting. Using differential cost structures, the model predicts that it is possible for some insurers to follow a strategy of postclaim underwriting while others do not. Evidence of this is found in the empirical analysis. Insurers that postclaim underwrite are identified by a decrease in underwriting expenses and an increase in the claim investigation expense in conjunction with increases in denied and resisted claims. | ||
| 650 | 4 | $0MAPA20080570590$aSeguro de vida | |
| 650 | 4 | $0MAPA20080567118$aReclamaciones | |
| 650 | 4 | $0MAPA20080558222$aEstrategias | |
| 650 | 4 | $0MAPA20100012437$aUnderwriting reserves | |
| 650 | 4 | $0MAPA20080608835$aSuscripción de riesgos | |
| 650 | 4 | $0MAPA20080592059$aModelos predictivos | |
| 650 | 4 | $0MAPA20080589363$aCálculo diferencial | |
| 700 | 1 | $0MAPA20080323080$aMcCullough, Kathleen A. | |
| 700 | $0MAPA20110028244$aNyce, Charles M. | ||
| 773 | 0 | $wMAP20077000727$tThe Journal of risk and insurance$dNueva York : The American Risk and Insurance Association, 1964-$x0022-4367$g01/03/2019 Volumen 86 Número 1 - marzo 2019 , p. 7-38 |