About Us

Hank George Inc. (HGI) offers an independent continuing medical education program for life, health, disability, critical illness and long term care underwriters. We also provide consulting services for insurers on a wide range of risk appraisal practices including The Simplified Suite.



Curriculum Vitae


Henry C. (Hank) George
BA (Honors), FALU (with Distinction), CLU, FLMI
Executive Officer
Hank George, Inc.
Greendale, Wisconsin




Founder and Chair

LOMA International Underwriting Congress (IUC)
American Underwriting Study Group (AUSG)
LOMA Health Underwriting Study Group (HUSG)
LOMA Critical Illness Study Group (CISG)
North American Underwriting Study Group (NAUSG)
Underwriting Research Study Group (URSG)
Continental Underwriting Study Group (CUSG)




Best’s Review
On The Risk
The National Underwriter




Hank’s JournalScan
Hank’s Hot Notes
Hank’s Health eScan




B.A. Hon., University of Wisconsin-Milwaukee––
Fellow (with Distinction), Academy of Life Underwriting (FALU)
Fellow, Life Office Management Institute (FLMI)
Chartered Life Underwriter (CLU)




American Association for Clinical Chemistry
American Civil Liberties Union
American Heart Association
Amnesty International
Association of Home Office Underwriters
Australian Life Underwriting and Claims Association
Canadian Institute of Underwriters
International Society for Bipolar Disorders
Institute of Caribbean Home Office Underwriters



Industry Positions Held

Founder and first Editor-in-Chief, On The Risk journal (1984-2003)

Founder, Academy of Life Underwriting seminar program (1985)

Instructor in Insurance Education


  • Florida: #355125
  • South Carolina: #455206
  • Virginia: #118-493


Executive Committee, Institute of Home Office Underwriters (1984-86)

Graduate Examination Coordinator, Life Underwriting Education Committee (1984-88)

Member, Honorary Board of the Vermont Insurance Institute (1999-2002)

Panelist, National Institutes of Health Consensus Conference on Precursors to Melanoma (1983)

President, Home Office Life Underwriters Association (1991-92)

Founder and Chair , Task Force 72 (1997-98) and The Underwriting Vision Group (2002-05)

Member , GE Long Term Care Advisory Board (2001-02 )

Society of Actuaries


  • Guest Lecturer
  • AIDS: Problems in Underwriting and Risk Assessment (1987)
  • Product Development Symposium (2002)
  • Long Term Care Symposium (2003)


  • Chair
  • Critical Issues in Underwriting (1989-1998, 2002)
  • Preferred Risk Underwriting" (2000)
  • Underwriting: Current Practices, Recent Innovations and Trends (1985-86)
  • Critical Illness I & II" (2001-2)
  • Faster, Cheaper, Better, I , II, III + IV (2001-05)
  • Critical Illness Conference (2004-5)
  • Critical Issues in Health Underwriting (2005- )
  • Telenderwriting (2005- )



Business History

Georges’ Stamp Company, Milwaukee, Wisconsin


Credit Analyst
Dun & Bradstreet, Inc., Milwaukee, Wisconsin


Assistant Director of Medical Underwriting
Northwestern Mutual, Milwaukee, Wisconsin


1985-1986 Assistant Vice President
Manulife Financial, Toronto, Ontario


1986-1988 Assistant Vice President
Lincoln National Re, Fort Wayne, Indiana


1988-2002 Senior Vice President
LabOne, Inc., Lenexa, Kansas (based out of Greendale, Wisconsin)


2003-2006 BUGS (Better Underwriting, Greater Sales), UK


2002- Executive Officer
Hank George, Inc.


2003-2005 Principal
Risk Concepts, LLC



Major Organizations and Conferences Addressed

ACLI-Medical Section
American Academy of Insurance Medicine
American Association for Clinical Chemistry
Asia Pacific 1999 FLMI conferment (Taiwan)
Asociacion de Seleccionadores de Riesgos en el Seguro de Personas A.C. de Mexico City
Association for Advanced Life Underwriting
Australian Life Underwriters and Claims Association
Benefactors Club (London)
Canadian Institute of Actuaries
Canadian Institute of Underwriters
Canadian Reinsurance Conference
Conference of Consulting Actuaries
Disability Income Training Council
Exceptional Producers Group
Fraternal Home Office Underwriters Association
General Agents’ Management Association
Group Underwriters Association of America
Health Insurance Association of America
Home Office Life Underwriters Association
Home Office Life Underwriters of the Philippines
Hong Kong Federation of Insurers; Life Risk Management Group
Impaired Risk Underwriters Association
Institute of Caribbean Home Office Underwriters
Institute of Home Office Underwriters
Insurance Association of the Caribbean
Insurance Institute for Asia and the Pacific
International Forum (Main Platform, 2006)
International Underwriting Congress
Irish Underwriters and Claims Association
Life Underwriting and Claims Association of New Zealand
Life Insurance Marketing Research Association
Agency Officers Round Table
Life Underwriters Association of Canada
Life Underwriters Club (London)
LOMA/LIMRA 1999 Strategic Issues Conference (Taiwan)
LOMA/LIMRA/SOA First Annual LIFE Conference (Main Platform; 2003)
Midwest Medical Directors
Midwest Home Office Underwriters Association
Million Dollar Round Table (Main Platform, 1989, 2000; Forum, 2004)
National Association of Health Underwriters
National Association of Life Companies
National Fraternal Congress
New England CLU-ChFC Conference
New England Home Office Life Underwriters Association
Risk Appraisal Forum
Select 74 Underwriters Club (England)
Society of Actuaries
Southeastern Home Office Underwriters Association
Top of the Table (Main Platform, 1990, 2003)
Western Home Office Underwriters Association
World Critical Illness Conference (Main Platform; Vancouver, 2003; Victoria, 2004)



Published Works



Getting It Issued (The National Underwriter Company) with John J. Krinik
Second edition; May (2000)

Getting It Issued (LabOne Insurance Services Group); August (2003)

Underwriting: What Every Producer Must Know (HGI Press); October (2008)



White Papers

The Theory and Practice of Rx Profiling in Mortality and Morbidity Risk Underwriting (2006 – Ingenix Corporation)




“After the Cure.” FALU Thesis (1980)

"Alcohol Markers." Broker World. 12/01

“Alcohol Markers in Life & Health Underwriting.” Broker World. 11/92

“Alkaline Phosphatase.” Insight.

“ALT.” Broker World. 12/99

“Alternative Risk Management: Oral Fluid Screens and Pharmaceutical Databases.” NAILBA Magazine. Winter, 2002:30-31

“Anabolic Steroids.” Risky Business. Issue 12;June/August, 1996

“A Novel CI Sales Approach?” www.lifeunderwriting.com (now defunct). July 1, 2006 (Now available at www.insureintell.com.)

“Are Insurers’ Tactics Obsolete?” Contingencies. 6,6(1994):28

"AST:ALT Ratio." On The Risk. 163 (2000):89

“Apolipoproteins and Screening for Coronary Artery Disease.” Insight. (1988)

"Barrett's Esophagus." Broker World. 10/99

“Brave New World: The Metamorphosis of Life Underwriting in North America.” Japan Insurance News. 168(March/April, 2002):32

“Cancer: The Life Underwriting Perspective." ALU II Textbook. (1983,1990)

"Cigars." Broker World. 2/99

“Cocaine Testing.” Insight. (1988)

“The Coming Changes in Life Insurance Risk Management." The National Underwriter; June 6, 1998:48

"C-Reactive Protein." Broker World. 6/00

"Critical Illness Insurance: Perspectives on Coronary Disease and Cancer." On The Risk. 17,3 (2001):52

"The Critical Line." (with Richard Bergstrom) Contingencies. 11,6(1999):26

“C-17, H-27 (O⋅OC⋅CH-2)2⋅NO.” Broker World. 11/96

"Deadly Force: The Rise of Hepatitis C." (with Richard Bergstrom) Contingencies. 11,2 (1999):26

“Disorders of the Liver and Biliary Tract.” ALU II Textbook (1983;Revised 1996)

“Dissecting Psychiatric Disease.” ALU II Textbook (1992)

"Drunk Driving." Broker World. 12/98

“The Dubious Dozen. “ On The Risk. (1993)

“The Dubious Dozen II.” On The Risk. (1995)

"Eat Your Spinach and Get a Lower Premium." The National Underwriter. September 1,2001

"The Enduring Paramedical." On The Risk. 17,2 (2001):58

“Elevated Liver Enzymes - The Broker’s Perspective.” Broker World. 2/96

“Enough Exceptionitis.” Best’s Review. June, 2005

"FALU." Broker World. 4/00

“Faster, Cheaper, Better.” Best’s Review. July, 2002:84

“Gamma-Glutamyl Transpeptidase: A Screening Test for Alcohol Abuse and Early Liver Disease in Life Insurance Applicants.” Journal of Insurance Medicine. (1984)

“Getting It Issued - Playing Through the Sand Traps.” Life Association News. 91,10(1996):134-36

“Getting to Horizontal.” Best’s Review. March, 2003:86

“Glycated Albumin.” Broker World. 11/01

"(The) Globalization of Underwriting." Broker World. 6/01

"Happy Customers Any Day Now." Probe. 46,5(1999):1

"Having Your Cake and Eating It." Contingencies. September/October, 2000:30

“HDL-C: An Under-Rated Test.” Insight. (1992)

"Health Habits in One Area Can be Predictor of Overall Mortality." The National Underwriter. October 23,2000

“Health Habits Underwriting.” MarketFacts. (May/June, 1992)

“Hematological Disorders.” ALU II Textbook (1984)

"Hepatitis C: The Slow, Silent Killer." Broker World. 11/98

"Herbs." Broker World. 11/00

“Home Testing for HIV.” (with Richard Bergstrom) Contingencies. 8,6(1996):30

"Homocysteine." Broker World. 11/99

“Hyaluronic Acid…” Published at HGI website, 11/04

“Hyperbilirubinemia.” Insight. (1988)

“The Impact of Passive Smoking on the Results of Urine Cotinine Testing.” Insight. (1991)

“Isolated GGT Elevations: An Underwriting Approach to a Common Problem.” Insight. (1990)

“It’s Time For An Underwriting Reality Check.” The National Underwriter. November 15, 2004; page 22

"Lab Testing in Profitable D.I. Underwriting." Milliman & Robertson's Disability Newsletter. (November, 1995)

"Lab Tests in Older Age Applicants: An Underwriting Primer." Mortality Research Review. (publication pending)

“(A) Life Insurance Perspective on Alcohol Abuse Markers." Clinical Chemistry. 46,6(2000):S22[abstract]

“Life Insurance Risk Management in North America: Today and Tomorrow.” (with John J. Krinik) Reactions. Winter 1996-97(2/97):65

“Life Underwriting Medical Requirements in the 1980’s and Beyond.” Journal of American Society of CLU. (1985)

“Liver Function Tests.” Medical Section Proceedings, (1985): The American Council of Life Insurance, p.117

"Malignant Melanoma." Broker World. 11/98

“Malignant Melanoma: Risk Appraisal Considerations.” Journal of Insurance Medicine. (1984)

"Managing Life Risks in a Global Market." (with John Krinik), LOMA Resource. August, 1998:36-39

“Marijuana." Broker World. 11/01

“Measuring the Risk of Hepatitis B and C.” Insight. 8,3(1994):6

“Metamorphosis.” LOMA’s Resource magazine. March, 2003: lead article

"Microalbumin: The 'Cholesterol' of the Urine Profile?" Broker World. 12/00

"Microalbuminuria." Broker World. 4/98

“Millennium Underwriting.” Broker World. 11/97

"Minimizing Problems with Blood and Urine Testing." Broker World. 8/01

"More on Hepatitis C." Broker World. 11/99

"NASH." Broker World. 8/00

"The New Age of Underwriting." NAILBA Magazine. Summer, 2001:52

"(The) New Epoch in Insurance: Lab Testing." The National Underwriter. November 20,2000

“The Paradoxical Scotoma.” GUAA Newsletter. (1993)

"Personal History Interview." Broker World. 6/98

"Preferred Smoker?" Broker World. 2/00

"PSA and The Percent Free PSA Test." Broker World. 10/98

"Risk Taking Behaviors. Part I." Broker World. 6/99

“Risk Taking Behaviors. Part II. Broker World. 8/99

“Rx = Dx: Part One." Broker World. 2/02

“Searching for Smokers: A Comparison of Carboxyhemoglobin, Thiocyanate and Cotinine as Screening Tests.” Journal of Insurance Medicine. (1983)

“Second Tumors in Treated Cancer Patients.” Journal of Insurance Medicine. (1983)

“Second Tumors Revisited.” Journal of Insurance Medicine. 20,4 (1988)

"Selenium: The Supplement that Shocked the World." Contingencies. May/June, 2001:36

“Six Reasons to Change Definition of ‘Smoker’ from ‘Cigarettes Only’ to ‘All Forms of Tobacco’.” Medical Resource. 7,2(1995):1

“Skin Cholesterol Testing: Could it be the Next Step in Cost-Effective Underwriting?” On The Risk. 21,2(2005):52-56

“Sleep Apnea.” On The Risk. (1988)

“Testing for Tobacco Use and Drug Use.” Marketing Options. 62 (January, 1990):30

“Those Were The Days, My Friend…” Argent. 1,4 (2002):18-20

“Thoughts From Across the Pond.” The Protection Review 2005. Lebeau and Comptom, eds. Bank House Communications Ltd. Glochestershire, England, UK: 96-107

“Time For a Change of Attitude.” An interview of Hank George by Peter LeBeau in the UK magazine Health Insurance (September, 2002):16

"Time to Change Outdated Underwriting Tools." The National Underwriter. August 7,2000

“Tobacco and Insurability – A Short History.” Japan Insurance News. November/December, 2001:19

“21st Century Medicine’s Hard Realities Make The Case For CI Insurance." The National Underwriter. June 20, 2005. Page 26

"Underwrite or Perish." Asia Insurance Review. (September, 2001): 44-7

"Underwriting Aminotransferase Elevations.” Insight. (1989)

"An Underwriting Approach to Psychiatric Risks." Digest (a publication of Swiss Re Life and Health). Issue 4. November, 1998.

"Underwriting Blood Chemistry Profiles.” ALU II Textbook (1986, Revised 1991)

"Why Oral Fluid?" Broker World. 10/00:118