Postclaim underwritting and the verification of insured information : evidence from the life insurance industry

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040  ‎$a‎MAP‎$b‎spa‎$d‎MAP
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100  ‎$0‎MAPA20180001253‎$a‎Bisco, Jill
24500‎$a‎Postclaim underwritting and the verification of insured information‎$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
7001 ‎$0‎MAPA20080323080‎$a‎McCullough, Kathleen A.
700  ‎$0‎MAPA20110028244‎$a‎Nyce, Charles M.
7730 ‎$w‎MAP20077000727‎$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