About
Risk segmentation for life insurance has largely been driven by medical reports, but medical reports only tell part of the story. Non-medical information, such as public records, driving history and credit, add essential insights that traditional approaches might miss. There’s a reason credit-related insights are widely used in personal auto insurance: risky financial habits correlate with riskier lifestyle behaviors.

Some life carriers underutilize non-medical models out of regulatory concerns; not understanding that a model is using non-medical information objectively and without bias. Consider this: most insurers include questions about non-medical information such as bankruptcy, criminal activity and major driving violations in their applications today. Underwriters then apply this information subjectively during the underwriting process.

Risks can be mitigated by modeling non-medical information. More importantly, non-medical models can help uncover favorable risks that traditional underwriting often overlooks — enabling better segmentation, fairer pricing and a less invasive application process that reaches more people.

In this webinar, you will learn how non-medical models can improve segmentation and mortality slippage in:

- Underserved markets
- Application triage
- Accelerated programs
- Segmentation of applicant groups with similar medical impairments

Don’t miss this opportunity to gain actionable insights and see how insights-driven strategies can transform your underwriting approach. The session starts at 1 pm U.S. ET on Tuesday, October 28 – secure your spot now and be part of the conversation shaping the future of life insurance.
Presenters
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Lynnette Fredericksen
Product Consultant, Analytics Product Management
Lynnette Fredericksen is a Product Consultant working with Analytics Products for the risk solutions business of LexisNexis®. As the Product Manager of EIR (Electronic Inspection Report) and the Life - Risk Classifier mortality score solution, she educates carriers on the best practices and consumer benefits of data. Lynnette is also responsible for assisting customers with introducing the solutions into new or existing underwriting workflows and processes, along with industry education. She joined LexisNexis® in 2014.

Lynnette first started in the life insurance industry as a paramedical examiner in 1984. Over the last 30+ years, she has continued her work in the field of underwriting requirements—helping to design, support and manage solutions that accelerate the underwriting process, reduce cost, and minimize risk for both insurance carriers and the lives they insure.
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Kevin Chalpan
Director, Product Management
Kevin Chalpan is a Director of Product Management at LexisNexis® Risk Solutions. He joined the organization in 2016 and is responsible for the delivery and enhancement of solutions leveraging LexisNexis’ core data and analytic capabilities to solve client workflow issues for the home and life markets.

Prior to joining LexisNexis Risk Solutions, Kevin spent five years at The Hanover Insurance Group where he held analyst positions supporting home and auto products in State Management and Marketing.

Kevin earned a BBA in Risk Management and Insurance from the University of Georgia. He and his wife Lizzie live in Roswell, Georgia along with their two daughters Beatrice and Jane. In his spare time, he enjoys house projects and is currently building a treehouse for his daughters.
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