Unlike drug taking, drinking alcohol is generally perceived as an acceptable and sociable method of relaxing in our society. Moderate use is condoned and alcohol is freely available at society events, parties and in the work context.

Milliman was engaged by the Society of Actuaries (SOA) to conduct research identifying laboratory tests that are not widely used in the life insurance industry but could have potential benefits for use in the life insurance underwriting process. This report presents the results of the research.

Over the last few years, ExamOne has developed a mortality risk assessment model capable of accurately determining the relative likelihood of premature death in the insurance applicant population. The model determines a percentile ranking of comparative mortality risk, normalized by age, gender and smoking status. We call the ranking a “risk IQ.”

A Point/Counterpoint article debating the value of screening with treadmill exercise ECGs was published in the December issue of OTR and it is posted here with the permission of On the Risk, Journal o