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Google Keyword Rankings for : insurance churning

1 Churning - Insurance Fraud - Bukh Law Firm
https://nyccriminallawyer.com/fraud-charge/insurance-fraud/churning/
Churning involves replacing an existing policy with a new policy from the same insurance company. A related offense, insurance twisting, involves purchasing a ...
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2 What is Churning? - Definition from Insuranceopedia
https://www.insuranceopedia.com/definition/5802/churning
Insurance companies use churning to describe the rate at which their customers leave due to reasons like selling assets, going elsewhere for ...
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3 Health Insurance Churn: The Basics - Community Catalyst
https://www.communitycatalyst.org/resources/publications/document/Health-Insurance-Churn-November-2016_FINAL.pdf
Churn has nothing to do with milk and butter, but refers to a consumer's transition between different types of coverage and/or becoming uninsured.
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4 Insurance Churning
https://chrt.org/publication/insurance-churning/
Transitions between different insurance plans, as well as between insured and uninsured status, are often referred to as “insurance churning ...
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5 Insurance Churning Rates For Low-Income Adults Under ...
https://www.healthaffairs.org/doi/10.1377/hlthaff.2016.0455
Changes in insurance coverage over time, or “churning,” may have adverse consequences, but there has been little evidence on churning since implementation ...
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6 Replacement, Twisting and Churning - Wall Street Instructors
https://www.wallstreetinstructors.com/ce/continuing_education/ethics2/id40.htm
Churning is the practice of an insurer replacing existing coverage with a new policy based on misrepresentations.(coverage with Carrier A is replaced with ...
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7 Insurance Fraud - FBI
https://www.fbi.gov/stats-services/publications/insurance-fraud
Insurance Fraud · In fee churning, a series of intermediaries take commissions through reinsurance agreements. · The initial premium is reduced by repeated ...
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8 How Instability of Health Insurance Shapes America's ...
https://www.commonwealthfund.org/sites/default/files/documents/___media_files_publications_issue_brief_2003_nov_churn__churn__churn__how_instability_of_health_insurance_shapes_americas_uninsured_problem_short_churn_688_pdf.pdf
Insurance churning contributed to an average of 2 million people losing their health coverage each month during the study period. One-third of Americans with ...
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9 Insurance Twisting, Churning, and Sliding: How to Not Let ...
https://american-reia.com/insurance-news/insurance-twisting-churning-and-sliding-how-to-not-let-cunning-agents-twist-you-around/
Insurance churning is when an agent intentionally convinces you to switch to an allegedly better insurance policy within the same company, ...
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10 Medicaid Enrollment Churn and Implications for Continuous ...
https://www.kff.org/medicaid/issue-brief/medicaid-enrollment-churn-and-implications-for-continuous-coverage-policies/
The temporary loss of Medicaid coverage in which enrollees disenroll and then re-enroll within a short period of time, often referred to as “ ...
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11 Medicaid Churning and Continuity of Care | ASPE - HHS.gov
https://aspe.hhs.gov/reports/medicaid-churning-continuity-care
Research shows that disruptions in Medicaid coverage are common and often lead to periods of uninsurance, delayed care, and less preventive ...
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12 Associations of Insurance Churn and Catastrophic Health ...
https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2784020
This cross-sectional study describes the risks of insurance churn (ie, gain, loss, or change in coverage) and catastrophic health ...
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13 Medicaid Coverage Gap Affects Even Larger Group Over Time ...
https://www.cbpp.org/research/health/medicaid-coverage-gap-affects-even-larger-group-over-time-than-estimates-indicate
Continuous Coverage Protections in Families First Act Prevent Coverage Gaps by Reducing “Churn” ... Medicaid enrollment is rising and expected to ...
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14 Insurance Churning Rates For Low-Income Adults ... - PubMed
https://pubmed.ncbi.nlm.nih.gov/27702954/
Changes in insurance coverage over time, or "churning," may have adverse consequences, but there has been little evidence on churning since ...
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15 An Updated Look at Rates of Churn and Continuous ...
https://www.macpac.gov/publication/an-updated-look-at-rates-of-churn-and-continuous-coverage-in-medicaid-and-chip-abstract/
The fact that many Medicaid and State Children's Health Insurance Program (CHIP) beneficiaries disenroll and subsequently re-enroll in the program within.
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16 Churning Life Insurance | Elder Financial Abuse - Hackard Law
https://www.hackardlaw.com/churning-life-insurance-elder-financial-abuse/
The problem with this “practice, known as churning, (is that it) earns the agent a large sales commission while substantially increasing the policyholder's ...
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17 Preventing Market Churn in the Insurance Industry - Levvel IO
https://www.levvel.io/resource-library/preventing-market-churn-in-the-insurance-industry
Market churn happens when customers switch providers. It can occur because consumers are dissatisfied with their current service or because they ...
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18 Churning: Definition and Types in Finance - Investopedia
https://www.investopedia.com/terms/c/churning.asp
Churning is excessive trading by a broker in a client's account in order to ... if the transactions are in mutual funds, annuities, or insurance products.
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19 1 1 “Churning” Within Health Insurance Plans - SHADAC
https://www.shadac.org/sites/default/files/publications/Vermont_Churn_paper.pdf
1. “Churning” Within Health Insurance Plans: 2. Issues and Policy Solutions. 3. 4. 5. 6. Authors. 7. Ronald Deprez, PhD, MPH (lead).
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20 Health insurance churning - PNHP
https://pnhp.org/news/health-insurance-churning/
Entrances and Exits: Health Insurance Churning, 1998-2000. By Kathryn Klein, Sherry Glied, and Danielle Ferry The Commonwealth Fund September 2005.
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21 Life Insurance Fraud – Churning And Twisting - Policy Planner
https://policyplanner.com/news/life-insurance-fraud-churning-and-twisting/
If an agent methods a policyholder into draining his or her life insurance coverage coverage to fund a brand new one with the identical insurer it's known as ...
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22 FAQs: Churning, Continuous Eligibility and Administrative ...
https://www.communityplans.net/coverage-you-can-count-on-beta/frequently-asked-questions-churning-and-continuous-eligibility/
Those who have been disenrolled typically say they wanted to retain their insurance coverage, but did not know how to do so. Who is impacted by churn?
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23 Enrollment Churning In Medicaid
https://www.manatt.com/uploadedFiles/News_and_Events/Articles_By_Us/Enrollment_Churning_Exec_Summary.pdf
Over the past ten years, New Yorkers have seen dramatic growth in the public health insurance options for low-income individuals and.
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24 What Is Insurance Twisting? - Insurance Pro AZ
https://www.insuranceproaz.com/what-is-insurance-twisting/
Churning is when they convince you to buy a new policy with the same company as your existing policy. Again, the new policy must not provide better benefits or ...
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25 Churn modeling of life insurance policies via statistical ... - arXiv
https://arxiv.org/abs/2202.09182
Title:Churn modeling of life insurance policies via statistical and machine learning methods -- Analysis of important features.
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26 Florida Statutes 626.9521 - Online Sunshine
http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9521.html
INSURANCE FIELD REPRESENTATIVES AND OPERATIONS ... 626.9541(1)(aa), the offense known as “churning,” the person commits a misdemeanor of the first degree, ...
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27 An Estimated 3.8 Million Eligible Children Could Lose ...
https://ccf.georgetown.edu/2022/08/22/millions-of-eligible-children-could-lose-medicaid-due-to-administrative-churn-during-the-unwinding/
The risk of coverage loss due to administrative churn is greatest for ... Health Insurance Survey, ASPE noted that one million children, ...
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28 Fight Insurance Fraud - Mississippi Insurance Department
https://www.mid.ms.gov/consumers/fight-insurance-fraud.aspx
Churning – An agent tries to sell an additional policy to a person who already has a life insurance policy with cash value. However, the cash value of the ...
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29 Building On the ACA To Reduce Health Insurance Disruptions
https://www.americanprogress.org/article/building-aca-reduce-health-insurance-disruptions/
Federal and state policymakers must act to lower health insurance churn rates, improve continuity of care, and limit coverage gaps.
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30 How to Reduce Customer Churn in Insurance - Talage
https://www.talageins.com/blog/reduce-customer-churn/
Insurance agents who want to know how to reduce customer churn should dig into areas like how they're managing renewals and communicating ...
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31 Stopping the Churn: Why Some States Want to Guarantee ...
https://khn.org/news/article/churn-states-guarantee-medicaid-children/
Of the nearly 90 million people on Medicaid and the Children's Health Insurance Program — a federal-state program that covers children in ...
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32 Churning under the ACA and State Policy Options for Mitigation
https://www.urban.org/sites/default/files/publication/25496/412587-Churning-under-the-ACA-and-State-Policy-Options-for-Mitigation.PDF
Eligibility for all insurance affordability programs is based on family income and size, and eligibility for subsidized coverage in the exchange also depends on ...
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33 Insurance 101: Churning and Twisting in Insurance | AgentSync
https://www.youtube.com/watch?v=8d-9WL6tX0Q
Aug 3, 2022
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34 2022 State of Customer Churn In Insurance Survey Report
https://techsee.me/resources/surveys/state-of-customer-churn-insurance-survey-report/
This report covers the key drivers behind churn post-pandemic and how customer expectations of their insurance providers have changed.
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35 Types of Insurance Fraud - PA Attorney General
https://www.attorneygeneral.gov/protect-yourself/insurance-fraud/types-of-insurance-fraud/
Types of Insurance Fraud · Theft of premiums · Unlicensed and/or unauthorized activity · “Churning” – Falsifying information to a consumer in an effort to get them ...
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36 Churning Point: Lessons from Medicaid Pandemic Policies
https://blog.petrieflom.law.harvard.edu/2021/10/19/medicaid-churn-pandemic/
Legislation enacted as a stopgap measure during the pandemic may present a path forward for securing more durable Medicaid coverage.
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37 Types of fraud - Texas Department of Insurance
https://www.tdi.texas.gov/fraud/types-of-fraud.html
Knowing the common types of insurance fraud can help you recognize ... Churning: Agent induces customer to use cash value of existing policy ...
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38 Customer Churn Prediction for a Motor Insurance Company
https://ieeexplore.ieee.org/document/8847066
Customer churn poses a significant challenge in various industries, including motor insurance. Retaining customers within insurance companies is much more ...
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39 Issue Brief Explores Ways to Reduce Medicaid Churn
https://www.medicarerights.org/medicare-watch/2022/05/19/issue-brief-explores-ways-to-reduce-medicaid-churn
Churn causes significant health and financial burdens for beneficiaries, providers, insurance plans, and states.
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40 Enrollment and Disenrollment in MassHealth and ...
https://www.bluecrossmafoundation.org/sites/g/files/csphws2101/files/2020-09/2010_4_21_disenrollment_mh_cc_0.pdf
Massachusetts has made great strides in making health insurance ... This report explores the extent of churning in Massachusetts coverage programs, possible.
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41 Insurance agent fraud - Fraud Magazine
https://www.fraud-magazine.com/article.aspx?id=4294981899
Churning: They persuade their customers to terminate their existing policies and buy new ones so they can earn extra commissions. Usually, they don't tell the ...
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42 230-20-25 RI Code R. § 4.9 - Casetext
https://casetext.com/regulation/rhode-island-administrative-code/title-230-department-of-business-regulation-includes-the-office-of-the-health-insurance-commissioner/chapter-20-insurance/subchapter-25-life-and-annuities/part-4-life-insurance-and-annuities-replacement-formerly-insurance-regulation-29-230-ricr-20-25-4/section-230-ricr-20-25-49-twisting-and-churning-practices
Section 230-RICR-20-25-4.9 - Twisting and Churning Practices A. Any replacement of a life insurance policy that involves fraud, deception or ...
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43 Implementation of penalized survival models in churn ...
https://www.sciencedirect.com/science/article/abs/pii/S0148296322006191
The insurance industry plays an indispensable role in the financial structure of today's world. Vehicle insurance accounts for a large part of the income of ...
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44 Title 27 Insurance
http://webserver.rilin.state.ri.us/Statutes/TITLE27/27-29/27-29-4.7.htm
(2) Churning. The practice whereby policy values in an existing life insurance policy or annuity contract, including, but not limited to, cash, loan values, ...
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45 Member and Patient Churn | ClosedLoop.ai
https://www.closedloop.ai/models/member-and-patient-churn
Every year, approximately 25% of the U.S. population gains, loses, or changes their source of health insurance coverage. This “churn” not only increases ...
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46 Churning and Twisting Life Insurance Policies
https://iastl.com/blog/life-insurance-policies/
Churning occurs when an insurance producer deliberately uses misrepresentations or false statements in order to convince a customer to surrender ...
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47 Reduce Policy Churn For Insurance Renewals
https://pathfinder.datarobot.com/use-case/predict-policy-churn-insurance-renewals
Learn how to reduce policy churn for insurance renewals and boost retention rates with the help of AI and machine learning.
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48 “Administrative Churn” Could Cost Texas Medicaid Patients ...
https://www.texmed.org/Template.aspx?id=60414
Nearly half of the 15 million Medicaid patients across the U.S. at risk of losing coverage when the COVID-19 public health emergency (PHE) ...
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49 Insurance Churning Rates For Low-Income Adults ... - ProQuest
https://search.proquest.com/openview/c6f121f874446b38096b4302c603d735/1?pq-origsite=gscholar&cbl=36027
Insurance Churning Rates For Low-Income Adults Under Health Reform: Lower Than Expected But Still Harmful For Many. Abstract. Changes in insurance coverage ...
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50 Insurance Fraud: A Crime That Affects Everyone
https://www.ldi.la.gov/docs/default-source/documents/publicaffairs/consumerpublications/insurance-fraud-a-crime-that-affects-everyone.pdf?sfvrsn=fe8f7c52_33
“slide” are accidental death coverage, guaranteed renewable term life insurance, or motor club membership. • Churning - Churning occurs when a producer ...
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51 States Must Plan Now to Limit Medicaid Churn When ... - CLASP
https://www.clasp.org/wp-content/uploads/2022/07/2022.07.28_States-Must-Plan-Now-to-Limit-Medicaid-Churn-When-Continuous-Coverage-Ends.pdf
The continuous coverage provision had its intended effect of maintaining health insurance coverage for people as lives were disrupted by a global pandemic. It ...
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52 Insurance Churning: Beware When Your Broker Recommends ...
https://www.newyorksecuritieslawyersblog.com/insurance-churning-beware-when-your-broker-recommends-replacing-your-variable-annuity-policy/
But is it possible to have a churning claim when a broker sells you an insurance product or recommends swapping out one variable annuity ...
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53 Customer Churning Prediction Using Support ... - Springer Link
https://link.springer.com/chapter/10.1007/11427445_149
Support vector machines (SVMs) are promising methods for the prediction of online auto insurance customer churning because SVMs use a risk minimization ...
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54 SHO# 22-001 RE: Promoting Continuity of Coverage and ...
https://www.medicaid.gov/federal-policy-guidance/downloads/sho22001.pdf
post-PHE period, mitigate churn for eligible beneficiaries who lose coverage and later reenroll, and smoothly transition individuals between ...
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55 Real-world analysis of insurance churn among young adults ...
https://www.jmcp.org/doi/pdf/10.18553/jmcp.2022.28.1.26
Real-world analysis of insurance churn among young adults with schizophrenia using the. Colorado All-Payer Claims Database. Jacqueline Pesa, MSEd, PhD, MPH; ...
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56 Chapter 626 Section 9521 - 2022 Florida Statutes
https://m.flsenate.gov/Statutes/626.9521
Chapter 626 INSURANCE FIELD REPRESENTATIVES AND OPERATIONS ... 626.9541(1)(aa), the offense known as “churning,” the person commits a misdemeanor of the ...
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57 Streamlining Eligibility & Enrollment Notice of Propose ... - CMS
https://www.cms.gov/newsroom/fact-sheets/streamlining-eligibility-enrollment-notice-propose-rulemaking-nprm
Certain current Medicaid and CHIP enrollment policies can contribute to coverage disruptions and create churning as people lose their ...
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58 Churn, Baby, Churn - AAF - The American Action Forum
https://www.americanactionforum.org/weekly-checkup/churn-baby-churn/
Where the alarms start sounding is the estimated 6.8 million who would lose Medicaid coverage despite being eligible through a process called “ ...
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59 Life Insurance and Annuities Replacement Model Regulation
https://content.naic.org/sites/default/files/inline-files/MDL-613.pdf
To protect the interests of life insurance and annuity purchasers by ... Specifically, it should assist in detecting and preventing “churning” of existing ...
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60 Refinancing Existing HECMs and a Revision to the ... - HUD
https://www.hud.gov/sites/documents/DOC_20434.doc
In order to comply with the statutorily mandated “anti-churning disclosure” ... a lower upfront mortgage insurance premium for the refinanced HECM.
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61 Glossary - Aviva plc
https://www.aviva.com/glossary/
churning. An illegal practice whereby a sales agent persuades a client to cash in an insurance policy after a short time and replace it with another, thereby ...
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62 CFO Press Release 3/21/2003 Agent Charged with Churning ...
https://www.myfloridacfo.com/sitePages/newsroom/pressRelease.aspx?id=1485
Agent Charged with Churning, Twisting and Exploiting an Elderly Person ... CORAL SPRINGS – A South Florida insurance agent is facing ...
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63 Program Churning and Transfers Between Medicaid and CHIP
https://www.academicpedsjnl.net/article/S1876-2859(15)00061-3/pdf
children in public coverage and public coverage churning. METHODS: We used administrative ... Health Insurance Program (CHIP) lead to public coverage gaps.
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64 Chapter Ins 26 - Wisconsin Legislative Documents
https://docs.legis.wisconsin.gov/code/admin_code/ins/26_2.pdf
Churning. 9. Twisting. 10.Restraint of competition. 1. Unfair restriction of contracting parties choice of insurer. O. Insurance contracts in Wisconsin.
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65 Medicaid Churn Toolkit - Benefits Data Trust
https://bdtrust.org/medicaid-churn/
As the nation's largest insurance provider, currently serving over 80 million individuals, increasing coverage continuity among Medicaid ...
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66 Churning – What is It & What Do I Need to Know?
https://nationaldisabilitynavigator.org/2014/04/28/churning-what-is-it-what-do-i-need-to-know/
It means that even though open enrollment is over, there may be lower income workers who become newly eligible for coverage through the ...
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67 The impact of geographical factors on churn prediction
https://www.tandfonline.com/doi/abs/10.1080/03461238.2018.1531781
... as insurance offices) and the interaction with nearby customer are spatial factors that increase (or decrease) the probability of churning.
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68 Reducing Churn in the Insurance Industry with Machine ...
https://dotdata.com/blog/reducing-insurance-churn-ml/
Machine learning in the Insurance industry can significantly reduce customer churn using applied predictive analytics via AI on the dotData platform.
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69 Analysis of Length of Stay in Pennsylvania Medicaid Program
https://www.dhs.pa.gov/docs/Publications/Documents/Highlighted%20Reports/PA%20DHS%20Medicaid%20Churn.FINAL.pdf
The health insurance status of American consumers changes as their lives and ... However, sudden loss of coverage, or churning on and off the Medicaid ...
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70 Customer churn prediction for an insurance company
https://www.semanticscholar.org/paper/Customer-churn-prediction-for-an-insurance-company-C.W.J./20286dfd510e6cb5c374384f415aab12b4b87132
This study proves that SVM provides a promising alternative to predict customer churning in auto insurance service by comparing it with other methods such ...
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71 The Return of Churn - Families USA
https://familiesusa.org/wp-content/uploads/2019/09/Return_of_Churn_Analysis.pdf
Churn may sound harmless, but it poses profound risks to health and financial security when low- income people lose their health insurance ...
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72 churning - Moneysmart.gov.au
https://moneysmart.gov.au/glossary/churning
A person who arranges a contract between you and, for example, an insurance or mortgage service provider. Brokers usually receive a commission or fee for ...
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73 Center for Health Care Strategies, Inc.
https://www.chcs.org/media/churning.pdf
Medicaid insurance cards are mailed to applicants after their eligibility is ... Record-Keeping about Short Tenures, Churning, and Disrupted Coverage.
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74 Marketplace to halt "churning" of uninsured children - NC Child
https://ncchild.org/marketplace-halt-churning-uninsured-children/
There are a variety of reasons why eligible children lack coverage: Their parents may not know where or how to apply for public health insurance, ...
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75 Does Churning in Medicaid Affect Health Care Use? - JSTOR
https://www.jstor.org/stable/26418167
subsidized private insurance offered through health benefit exchanges.2,7 Policymakers and ... churning adults and those with stable Medicaid coverage. In.
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76 Guardian Life Agent to Face Civil Trial over Policy “Churning ...
https://agencychecklists.com/2018/08/21/guardian-life-agent-to-face-civil-trial-over-policy-churning-allegations-25295/
A Leominster life insurance agent will have to go to trial on an insured's allegations of a "churning scheme" after the denial of his motion ...
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77 19.3.4 Notice of Replacement - American Safety Council
https://course.uceusa.com/courses/content/405/page_495.htm
Churning is defined as the practice by which policy values in an existing life insurance policy or annuity contract are used to purchase another policy or ...
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78 What Does Churning Stocks Mean?
https://www.stockmarketloss.com/securities-law/what-is-churning/
Brokers churn mutual funds, annuities, and life insurance policies (though the last is commonly called “twisting”). There are times when the ...
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79 Health insurance and the COVID-19 shock: What we know so ...
https://www.epi.org/publication/health-insurance-and-the-covid-19-shock/
Extreme churn after February 2020 has led to very large losses in ESI coverage. In March and April, for example, new hiring led to 2.4 million ...
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80 'Churning' following the Affordable Care Act | EurekAlert!
https://www.eurekalert.org/pub_releases/2016-10/htcs-ft100316.php
Boston, MA - About one in four low-income adults in three U.S. states have experienced changes in their health insurance coverage--known as " ...
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81 What is Churn Rate and How to Reduce It? - Saagie
https://www.saagie.com/blog/calculating-and-defining-churn-rate/
The attrition rate is widely used in Banking and Insurance, which are sectors that historically had very low attrition rates. With new ...
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82 What Is Credit Card Churning? – Forbes Advisor
https://www.forbes.com/advisor/credit-cards/what-is-credit-card-churning/
› advisor › what-is-credit-card-...
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83 Customer churning prediction using support vector machines ...
https://dl.acm.org/doi/10.5555/1986381.1986530
Support vector machines (SVMs) are promising methods for the prediction of online auto insurance customer churning because SVMs use a risk minimization ...
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84 Insurance churning charged in lawsuit - Tampa Bay Times
https://www.tampabay.com/archive/1999/07/05/insurance-churning-charged-in-lawsuit/
Insurance churning charged in lawsuit. By. GEOFF DOUGHERTY. Published Jul. 5, 1999|Updated Sep. 29, 2005. The 110-page suit claims a widow was persuaded to ...
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85 Top 10 WHAT IS CHURNING IN INSURANCE Answers
https://campinghiking.net/insurance/what-is-churning-in-insurance/
Churning. Churning is defined as the practice by which policy values in an existing life insurance policy or annuity contract are used to purchase another ...
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86 Customer Predictive Churn Management for Life Insurance
https://valiancesolutions.com/case_study/customer-churn-pridiction-management-for-life-insurance/
Life Insurer uses customer retention based customer churn prediction strategy to ... It has been offering a suite of insurance products and investment plans ...
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87 churning Archives - Life Insurance Academy Podcast
https://liapodcast.org/tag/churning/
Life insurance sales is a respectable, notable career that allows people to make a difference in the lives of families across the nation.
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88 What Is Twisting In Insurance? How does it work? | Policy Advice
https://policyadvice.net/insurance/guides/what-is-twisting-in-insurance/
Churning usually happens when an insurance agent intentionally uses false statements or documents to convince policyholders to give up existing ...
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89 Churn in insurance: Life is good, non-life is a drag
https://economictimes.indiatimes.com/industry/banking/finance/insure/churn-in-insurance-life-is-good-non-life-is-a-drag/articleshow/80425561.cms
Demand for health insurance has helped non-life insurers tide over the tough times while motor insurance is still struggling due to a fall ...
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90 Racial and Ethnic Disparities in Perinatal Insurance Coverag...
https://journals.lww.com/greenjournal/Fulltext/2020/04000/Racial_and_Ethnic_Disparities_in_Perinatal.20.aspx
Differential insurance coverage may have important implications for racial–ethnic disparities in access to perinatal care and maternal–infant health.
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91 Churning | Investor.gov
https://www.investor.gov/introduction-investing/investing-basics/glossary/churning
› investing-basics › glossary
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92 Commissioner Fines Jackson National Life for Churning
https://www.propertyandcasualty.com/doc/commissioner-fines-jackson-national-life-for-0001
Washington State Insurance Commissioner Deborah Senn says she has fined the Jackson National Life Insurance Co. $67000 for improper sales practices.
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93 Understanding Health Insurance Transitions and Public ...
https://www.health.state.mn.us/data/economics/docs/churnbrief.pdf
insurance coverage, including gaining or losing coverage, are sometimes referred to as “health insurance churn.” Churn can have financial ...
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