• The Journal of the Korean life insurance medical association
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• v.27 no.2
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• pp.85-95
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• 2008

When an insurance company receives an application for life or health insurance, the company must evaluate the degree of risk the individual for insurance coverage presents before the company agrees to issue the policy. A medical factor is a physical or psychological characteristic that may increases a hazard. A financial factor is financial information that is taken into account by underwriter to determine if a person is applying for more than he/she reasonably needs or can afford. A personal factor is a lifestyle choice. There are several medical risk selection systems in Korean life insurance market. They are attending physician's statement, direct examination by insurance doctors, and paramedic examination. However there is some dissatisfaction of current system. It is possible that cooperation of part-time insurance doctors system may be one of useful system of medical risk selection. Improvement of medical risk selection system will be an important matter of profitability of insurance company and it will contribute to sound life insurance system.

• The Journal of the Korean life insurance medical association
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• v.28 no.1_2
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• pp.7-10
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• 2009

• Journal of the Korean Data and Information Science Society
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• v.25 no.6
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• pp.1207-1219
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• 2014

In this study, 1) we compare face channel and non-face channel of life insurance company and non-life insurance company with insurance employs' suitability opinion about channel type, channel property, channel evaluation items requiring when selling insurance products, 2) we construct two social networks for life insurance companies and non-life insurance companies and find/compare two networks' properties, and then want to suggest any direction about sale channel strategy. As the result of comparing social networks of life insurance company and non-life insurance company created by insurance selling channel fit evaluation, employs of life insurance companies have more common opinion than those of non-life insurance companies and so can have more same directional channel strategy. However, property insurance companies need to manage their own channel strategy based on their own circumstance.

• The Journal of the Korean life insurance medical association
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• v.29 no.1
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• pp.24-31
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• 2010

• The Journal of the Korean life insurance medical association
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• v.24
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• pp.3-11
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• 2005

• The Journal of the Korean life insurance medical association
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• v.22
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• pp.171-181
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• 2003

• The Journal of the Korean life insurance medical association
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• v.27 no.1
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• pp.14-17
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• 2008

• The Journal of the Korean life insurance medical association
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• v.28 no.1_2
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• pp.25-30
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• 2009

• The Journal of the Korean life insurance medical association
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• v.3 no.1
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• pp.163-169
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• 1986

• The Journal of the Korean life insurance medical association
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• v.31 no.1
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• pp.29-33
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• 2012

Nowadays, obstructive sleep apnea is being important to life insurance industry. Many life applicants submit their attending physician's statement, diagnostic certificate, and results of polysomnography to underwriters. So It's necessary to perform evidence-based medical approach. I hope this article is helpful to insurance doctors and underwriters.