Rochelle Fernandes
MSc., FLMI, ND/PhD (cand.)
Manulife Financial
Toronto, Ontario

In 2003, more than 5 million Canadians age 12 or older used alternative healthcare (Statistics Canada 2003). In the United States, approximately 38% of adults (about 4 in 10) and 12% percent of children (about 1 in 9) are using some form of complementary and alternative medicine, including naturopathy (NIH 2007). This has immense implications for risk assessment in underwriting.

If only this savvy perspective were more widely held amongst both chief underwriters and senior management!