Can Genetic Testing Improve Mortality Risk?
Genetic testing is now available for many disorders. We have known for centuries that heredity is involved in many diseases. However, 15 years ago the Human Genome project was completed, and the sequence of human DNA is now known. This major accomplishment has caused an explosion of new information about genetic diseases, confirming previous suspicions in many diseases and identifying the genetic contribution in others.
The Casual Liver Enzyme Elevation
Liver enzyme testing (LFTs) are part of virtually every blood profile obtained on a potential insured. They are also one of the leading causes of a completely unexpected rating or decline on a case. Most clients do not provide a specific history for an elevation, and no broker or agent expects such an outcome with what seemed to be a clean history. Knowing how to approach this situation can be key to a favorable underwriting outcome.
Influenza: The Insurers' Perspective (ALUCA RiskeBusiness)
Seasonal influenza is a unique public health conundrum: its epidemics are annual, yet even with the wealth of epidemiologic data now collected on it, predicting its activity and severity still remains a significant challenge. Recent modeling suggests that the global burden of influenza is worse than previously thought, accounting for up to 600,000 deaths annually.
Be Kind to Your Genes: An Insurance Perspective on the Fast-Growing Field of Epigenetics
Eat your vegetables. Stay active. Avoid smoking. Keep out of the sun. Patients have been hearing this good advice from their doctors for a long time. Now, researchers are uncovering new evidence that our lifestyle choices can measurably influence mortality risk at a genetic level. Learn more about the emerging science of epigenetics in a two-part interview and the webinar “Epigenetics and Liquid Biopsies: Fact, Fiction or Both.”
How Liquid Biopsies Could Transform Insurance Medicine
Cancerous tumors shed whole cells or tiny bits of DNA and other genetic material into the bloodstream and other bodily fluids. This allows clinicians to potentially analyze blood samples to detect a tumor's unique mutations and offer a personalized treatment regimen, all without an invasive tissue biopsy.
The Rise in Sugar Consumption in the U.S. – and the Obesity Equation
For years, sweets were marketed as innocuous treats for kids whose only drawback was cavities if you did not brush your teeth properly.
SCOR Housecalls: Chronic Granulomatous Disease
What is Chronic Granulomatous Disease, and what are the mortality implications?
Medical Underwriting: Global Health Brief – Liquid Biopsy
Liquid biopsies are noninvasive tests that could potentially lead to early detection of cancer by identifying the genetic material cancerous tumors shed into the bloodstream and other bodily fluids. It is now possible to test for biomarkers such as circulating tumor cells (CTCs) and circulating tumor DNA (ctDNA). As these tests gain a foothold in clinical practice, insurance professionals must understand liquid biopsies and the implications for underwriting and product development.
How ‘Critical’ is Low Risk Prostate Cancer?
Insurers design critical illness policies with the intention being to cover medical conditions that are likely to have a life-changing impact on the life insured, with payment alleviating financial pressure as recovery and adjustment to an altered way of life take place. Should insurers include lower risk prostate cancer in such products or are they well positioned to exclude these altogether, considering the favorable outcome?
The 2017 Clinical Practice Guidelines for Hypertension: What Underwriters Should Know
The American College of Cardiology and The American Heart Association published the new “2017 Guideline for the Prevention, Detection, Evaluation, and Management of High Blood Pressure in Adults” on November 13, 2017. The new guidelines propose lower thresholds for diagnosing and lower goals for treating hypertension than the previous recommendations of 2003, especially for individuals at high risk for adverse future cardiovascular events.