📚 Elevate your underwriting expertise with the new issue of On The Risk! The December issue is packed with detail on identity fraud, digital evidence, and the future of post-issue audits. 🔗 ontherisk.com

🚀 The December 2025 issue of On The Risk is live! From the "AI arms race" in fraud detection to the evolving mortality of Hepatitis C, this issue tackles the most critical challenges facing underwriters today. 👉 ontherisk.com

"Volunteers are the key to ALU's success!" 🔑 Ann Day of WoodmenLife, President of the Academy of Life Underwriting, shares a comprehensive update on the state of the academy. 🤝 Read the President's full message in OTR: buff.ly/XppU8g1 ALU_Underwriting

Are you ready for exam season? 📝 Sabrina Porter of Swiss Re Canada and Director of Exams for the ALU, pulls back the curtain on the FALU exams. 🎓 Study smarter, not harder. Read the full guide in OTR: buff.ly/bWCtxjp

How do radiologists speak the same language? 🗣️ And why does it matter for underwriters? Gina C. Guzman, MD of Munich Re (US) breaks down "RADS" and explains how standardized imaging reports can lead to more consistent and accurate risk assessment. 📖 buff.ly/saipefA

Ever wonder why even "good" people lie on insurance applications? 🤔 It's not always about the money. Peter Hovard and Rosmery Cruz of RGA explore the behavioral science behind dishonesty. 🔍 Dive into the psychology of fraud in OTR: buff.ly/KYBQPc2

Join experts from RGA, Munich Re, Swiss Re, Milliman, and more as they explore how technology and data are reshaping risk assessment. Whether you are looking to optimize audits or understand the latest in predictive modeling, this issue has the key. 📲ontherisk.com

Insurance fraud isn't a victimless crime. It's a hidden tax on us all. 💸 Kevin Glasgow of Diligence International Group LLC breaks down the staggering cost of fraud: $308+B annually! Learn about the motives and practical steps to protect the industry: buff.ly/WUlp7UN

Hepatitis C: From fatal diagnosis to curable condition. 💊 The landscape of HCV mortality has shifted dramatically. Derek Cole of Milliman and Jean-Marc Fix of Optimum Life Re discuss how direct-acting antivirals have revolutionized treatment 📉 buff.ly/Bg4CEtB

Is "Richard Macias" a real applicant? Or a digital ghost? 👻 Synthetic identity fraud is costing the industry billions. Colin DeForge and Jennifer Johnson of RGA reveal how AI is fueling a new wave of sophisticated fraud🛡 buff.ly/tOTfRI7

Data is the new rocket fuel for underwriting. 🚀 Blair Stephenson of Protective Life, Emily Rowland of Milliman, Inc., and Jackie Waas of RGA discuss the strategic imperative of integrating novel data sources like EHRs and medical claims. buff.ly/n297zLG

Post‑issue audits can be more than compliance — they can be a learning engine. A new article in OTR explores scaling PIAs by surfacing the small percentage of cases that truly need attention. ontherisk.com/rethinking-pos…

Can EHRs replace APSs — and where do they fall short? Find the final entry in a multipart OTR investigation into at protective and operational value across underwriting scenarios. buff.ly/1BFnXiC

More data isn’t automatically better — but the right evidence, applied the right way, is a strategic advantage. A carrier/vendor/reinsurer view of evaluating modern underwriting data. Link: ontherisk.com/unlocking-the-…

Insurance fraud isn’t victimless; the cost shows up in premiums and everyday expenses. A new article in OTR breaks down common schemes and practical prevention steps: buff.ly/F7jwhgX

Synthetic identities are evolving fast, and AI is accelerating both the threat and the defense. Find an incisive look at where fraud is headed and what insurers can do next in OTR. ontherisk.com/the-fraud-figh…

Why do “good people” sometimes misstate information and what can insurers influence to reduce misrepresentation? Learn how to apply behavioral science to encourage honesty in insurance applications and claims adjudication: buff.ly/fhvEWDW

BI-RADS, TI-RADS, PI-RADS… radiology has a shared language — and it matters for underwriting consistency. “RAD-ical Insights” translates the frameworks and why they help underwriting decisions: ontherisk.com/rad-ical-insig…

New "On the Risk": NIL underwriting, disability risk assessment, HIV mortality, incidental imaging findings + more. Read: ontherisk.com

NIL ≠ guaranteed future earnings. With only ~1–2% going pro, underwriting still needs conservative justification. buff.ly/eXskIva