Complex Decisions On Critical Illness

Mary Johnson

In Brief

Deciding to enter the group voluntary CI market requires careful considerations to mitigate risk, ensure optimal spread of risk and limit anti-selection.

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Critical Illness is a budding option in the group voluntary market, shaped in part by health care reform, more high-deductible health plans and greater employer interest in voluntary products.

The challenge for carriers now is twofold: developing a competitive product without getting into an “arms race” of new eligible conditions and liberalized guarantee issue guidelines; and establishing a solid distribution network with effective enrollment procedures. This article focuses on product development.

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Author

Mary Johnson

Director, Marketing Underwriter, Life, Accident, and Specialty Reinsurance, U.S. Group Reinsurance

Complex Decisions On Critical Illness

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