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“Lender choice” introduces a bias to default rates for mortgage underwriting

We show how giving lenders a choice between using FICO or VantageScore for Fannie Mae and Freddie Mac mortgages affects default rates and introduces risks.

White paper

Understanding nonfatal firearm injuries: Incidence and healthcare spending for commercially insured members

Patient healthcare costs increase substantially in the six months after a nonfatal firearm injury. We analyze patterns for stakeholders to consider.

Article

Captive insurance: Seizing opportunities under upcoming UK reforms

With forthcoming reforms affecting UK captives, we discuss the advantages and disadvantages for organisations continuing to use this alternative form of insurance.


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Health makes up 18% of our GDP and 100% 
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No issue is more complex. 
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Insurance

Because the world is underinsured.

The insurance industry of tomorrow will look nothing 
like today.

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No one wants to go back to work at 75.

As visions of retirement 
have changed, so have retirement plans.

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The most dangerous risks to your business are those you can’t see.

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