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Life Insurers (life + insurer)

Distribution by Scientific Domains
Business, Economics, Finance and Accounting75%

Selected Abstracts

The Hippocratic Bargain and Health Information Technology

THE JOURNAL OF LAW, MEDICINE & ETHICS, Issue 1 2010
Mark A. Rothstein
The shift to longitudinal, comprehensive electronic health records (EHRs) means that any health care provider (e.g., dentist, pharmacist, physical therapist) or third-party user of the EHR (e.g., employer, life insurer) will be able to access much health information of questionable clinical utility and possibly of great sensitivity. Genetic test results, reproductive health, mental health, substance abuse, and domestic violence are examples of sensitive information that many patients would not want routinely available. The likely policy response is to give patients the ability to segment information in their EHRs and to sequester certain types of sensitive information, thereby limiting routine access to the totality of a patient's health record. This article explores the likely effect on the physician-patient relationship of patient-directed sequestration of sensitive health information, including the ethical and legal consequences. [source]

A Comparison of Neural Network, Statistical Methods, and Variable Choice for Life Insurers' Financial Distress Prediction

JOURNAL OF RISK AND INSURANCE, Issue 3 2006
Patrick L. Brockett
This study examines the effect of the statistical/mathematical model selected and the variable set considered on the ability to identify financially troubled life insurers. Models considered are two artificial neural network methods (back-propagation and learning vector quantization (LVQ)) and two more standard statistical methods (multiple discriminant analysis and logistic regression analysis). The variable sets considered are the insurance regulatory information system (IRIS) variables, the financial analysis solvency tracking (FAST) variables, and Texas early warning information system (EWIS) variables, and a data set consisting of twenty-two variables selected by us in conjunction with the research staff at TDI and a review of the insolvency prediction literature. The results show that the back-propagation (BP) and LVQ outperform the traditional statistical approaches for all four variable sets with a consistent superiority across the two different evaluation criteria (total misclassification cost and resubstitution risk criteria), and that the twenty-two variables and the Texas EWIS variable sets are more efficient than the IRIS and the FAST variable sets for identification of financially troubled life insurers in most comparisons. [source]

Life-insurance Efficiency in China: A Comparison of Foreign and Domestic Firms

CHINA AND WORLD ECONOMY, Issue 6 2009
Bingzheng Chen
F23; G22; C61 Abstract The Chinese life-insurance industry has experienced major structural changes in recent years, primarily because of increasing demand and the entry of foreign insurers. Although the market is clearly booming, the efficiency of its growth and development is unclear. In this paper, we evaluate the efficiency of life insurers operating in China and compare foreign firms with domestic firms. We find that foreign insurers have not brought efficiency into the Chinese market, and that the market is still dominated by domestic giants. However, the gap between foreign insurers and domestic insurers is narrowing. After testing hypotheses regarding scale economy, technical progress and potential improvements, we discuss several issues of importance to life insurers, market investors and government regulators. [source]