John M. Bragg, FSA
Geoffery Crofts, FSA
Faye Albert, FSA                          

Harold I. Cohen, FSA

   Bragg Associates Actuaries
   

      

 

 
Report on Critical Illness Insurance
                      Table of Contents

Introduction

3

Policy Regarding Use of Tables

4-5

Definition of Covered Conditions

6-7

Underwriting of Critical Illness Insurance

8

Policy Wording and Claims Administration

9-12

Disabled Life Mortality Ratios

13-14

Claim Rates 1000Sx for Critical Illness Insurance

15

Comparison of Bragg Associates and Irish Critical Illness Claim Rates

16

Claim Rates for Minor Additional Coverage

17-19

Aids as a Minor Critical Illness Coverage

20

Causes of Death

21-22

Discussion of Claim Rates

23

Summary and Conclusions

24

Appendix: NAIC Accelerated Benefits Guideline

25


 

 

 

 

 

 

 

 

 

 

The Only Known Study of Causes of Death Separately for Smokers and Non-smokers.

A note on Pricing

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