Within the next few years, life insurance applicants in the US and UK are likely to have online access to their electronic health records (EHRs). What are the underwriting implications of democratising health records and are underwriters ready? RGA examines the current state of EHRs and looks forward to the legal, health and underwriting aspects of expanding applicant access.
Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (www.ontherisk.com).
