POSTCLAIMUNDERWRITING AND THEVERIFICATION OFINSUREDINFORMATION: EVIDENCEFROM THELIFEINSURANCEINDUSTRY
研究人寿保险公司如何通过拒绝和抗辩理赔来核实信息，构建理论模型分析事前与事后核保策略，发现部分保险公司采用事后核保策略，表现为核保费用下降、理赔调查费用上升以及拒赔和抗辩增加。
A BSTRACT This research investigates information verification by life insurers with respect to postclaim underwriting through denied and resisted claims. We provide a theoretical model to explore the optimal strategy for insurers regarding preloss versus postclaim underwriting. Using differential cost structures, the model predicts that it is possible for some insurers to follow a strategy of postclaim underwriting while others do not. Evidence of this is found in the empirical analysis. Insurers that postclaim underwrite are identified by a decrease in underwriting expenses and an increase in the claim investigation expense in conjunction with increases in denied and resisted claims.