Analyzing Individual Life Insurance Mortality Trends– Cause of Death Impact
Is the recent slowdown of mortality improvement observed amongst the U.S. population also happening in the individual life insurance population, and what are the implications for the future?
Modeling Mortality at Older Ages - Benefits and Challenges
When one looks at a curve of the mortality rates by age in developed countries, we notice a very regular pattern. Especially the middle-age groups - age 30 to 70+, for example - seem to have close to an exponential curve in mortality rates.
Highs, Lows & Don’t Knows
Are cannabis, hemp and marijuana the same thing? What are THC and CBD? Are the medicinal benefits of cannabis true? What are the health risks? And as of now, is there enough data to assess the mortality impact?
Can Suicide Risk Be Significantly Influenced by Underwriting?
considered by life insurance underwriters are highly influenced by routine clinical assessments, often undertaken in acute situations following an episode of self-directed violence.
Oral Health, Mortality, and Smoker Detection
Life insurers have long recognized the value of oral fluids for risk assessment through screening for HIV-1 and tobacco or drug use, but oral health itself is not routinely evaluated as part of the underwriting process.
Cancer and the Statistic of One
Rapid medical advances, as well as growing volumes of health and mortality data, are transforming cancer risk assessment. RGA's Neil Parkin explores our deepening understanding and insurance implications.
Impaired Risk Review: What You Don't Know WILL Hurt You
One of the toughest situations for an underwriter is the case that seems to have literally fallen off the cliff. A condition that is significant, that is being followed, and that does have mortality consequences suddenly has no notes of any recency for six months or more. Follow-up that appeared to be favorable virtually disappears, and the underwriter is left with guessing that things have continued to go reasonably well. Or not...
Milliman Risk Score 2.0 – Stratifying Mortality Risk Using Prescription Drug Information
Munich Re assessed the Milliman Rx Risk Score, a predictive modeling tool developed and owned by Milliman that assesses mortality risk using an individual’s prescription drug information. Insurers considering prescription- drug-based scores should begin with a retrospective validation study on their own experience data.
Alcohol Risk in Perspective
The publication by The Lancet recently of an article discussing the risk to health posed by alcohol seems to have put paid for all time to the notion that moderate drinking does no harm or is even ‘good for you’. It has thus caused a bit of a stir in some quarters.
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.”