Doug Ingle, FALU, FLMI with Distinction, graduated from Hamline University cum laude. He worked for IDS, Allstate, Nacola, and became VP Chief Reinsurance Underwriter for AUL Re, also VP Underwriting and Mortality Research for ING-Re, Director Northwestern Mutual, and VP of Underwriting Research at Hannover Re.
Doug’s contributions focused on underwriting research and sharing those insights with the industry. One key contribution involved explaining how multivariate Cox Proportional Hazard Models, used in clinical research, could be applied to life underwriting. The models account for the interactions of risk factors and distribute debits appropriately to each risk factor when multiple risk factors are present. He described how they are the foundation behind predicting future coronary events, predictive analytics, as well as the basis behind preferred risk underwriting. These findings were published in On the Risk (OTR), predating the industry’s predictive analytics movement by almost two decades. He co-founded a preferred risk mortality pricing program and authored the ALU chapter on Preferred Risk Underwriting.
After completing Basic and Advanced Mortality Methodology - courses offered by AAIM that train students how to translate the clinical literature into underwriting guidelines - he published a reference guide in OTR encouraging underwriters to pursue and master these techniques as well. He is currently one of the assistant instructors for AAIM’s Basic Mortality Methodology Course which is part of the curriculum offered to doctors pursuing Board Certified in Insurance Medicine.
He co-authored the ALU chapter on Cost Benefit Studies, published articles in OTR on Cost Benefit calculations, and produced an example addressing the Protective Value of Blood.
He worked to bring together underwriters, actuaries and doctors speaking at many of their national meetings to promote collaboration. His published work closed the gap between medical literature, underwriting, and actuarial sciences in an article in OTR that described the noteworthy similarity in outcomes when using either Cox multivariate regression or traditional actuarial study techniques.
Doug chaired both the Morbidity Mortality Liaison Committee and Underwriting Experience Studies Committee, served on the SOA’s Individual Life Experience Committee (ILEC), and Underwriting Criteria Team. He also authored an ALU chapter on EKG Interpretation, has been published in Journal of Insurance Medicine, Contingencies, Best’s Review and spoken at over twenty AHOU meetings, as well as at least half a dozen AAIM, and SOA national meetings in addition to numerous regional meetings.
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