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

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<rdf:Description>
<dc:creator>Bisco, Jill</dc:creator>
<dc:creator>McCullough, Kathleen A.</dc:creator>
<dc:creator>Nyce, Charles M.</dc:creator>
<dc:date>2019-03-01</dc:date>
<dc:description xml:lang="es">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.</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/record.do?id=167957</dc:identifier>
<dc:language>eng</dc:language>
<dc:rights xml:lang="es">In Copyright (InC) - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Seguro de vida</dc:subject>
<dc:subject xml:lang="es">Reclamaciones</dc:subject>
<dc:subject xml:lang="es">Estrategias</dc:subject>
<dc:subject xml:lang="es">Underwriting reserves</dc:subject>
<dc:subject xml:lang="es">Suscripción de riesgos</dc:subject>
<dc:subject xml:lang="es">Modelos predictivos</dc:subject>
<dc:subject xml:lang="es">Cálculo diferencial</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">Postclaim underwritting and the verification of insured information : evidence from the life insurance industry</dc:title>
<dc:relation xml:lang="es">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. 7-38</dc:relation>
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