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Reference for building the Care Pathway:
Society of Actuaries - EUA
PHS with Load incorporates flexibility elements that are recognized in advanced risk assessment structures used by reinsurers such as IRB (Re) and supported by SOA analyses.
This model allows that, for specific risk profiles, the proposal is adjusted—resulting in a load—when the data indicates a borderline situation.
Thus, beyond approval or rejection, it is possible to apply a price or condition adjustment, reflecting a more dynamic and adaptive approach that aligns with the best international underwriting and pricing practices.