The life insurance industry is facing a hidden but significant problem—adverse behaviors that cost the sector more than $1 billion annually. From applicants applying for low face amounts to avoid underwriting requirements (known as stacking), to agents replacing policies simply to earn new commissions (commonly referred to as churning), these actions lead to inaccurate risk assessments and increased financial strain.

Our white paper, recently published in the December 2024 edition of ON THE RISK, the Journal of the Academy of Life Underwriting, provides insights into the protective value provided by the MIB Total Line Service to address this challenge. It details how the service can expose adverse behaviors during the underwriting process, helping carriers detect stacking, churning, and other forms of deception before they lead to costly mistakes.

In the infographic below, we’ve summarized the key findings from our study. You can also read reprint of the full study results in ON THE RISK or view a reprint here .

To get a view of how much stacking and churning may be costing your company specifically, please reach out to Trey Reynolds, EVP, Strategy & New Business Development.