Centro de Documentacion de Fundación MAPFRE - Postclaim underwritting and the verification of insured information : evidence from the life insurance industry

Notas: Sumario: This 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.Registros relacionados: En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/03/2019 Volumen 86 Número 1 - marzo 2019 , p. 7-38Materia / lugar / evento: Seguro de vida Reclamaciones Estrategias Underwriting reserves Suscripción de riesgos Modelos predictivos Cálculo diferencial Otros autores: McCullough, Kathleen A.
Nyce, Charles M.
Outras classificações: 341

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