This Heart Month, we examine three contributing factors insurers can consider when reviewing a life insurance applicant’s laboratory and medical history. We also highlight some early research that has been published on what complications COVID-19 may cause to the cardiovascular system.
The prevalence of cardiovascular disease - hypertension, coronary heart disease, heart failure or stroke - increases with age. Often, multiple cardiac conditions coexist with other illnesses, and this makes risk assessments for applicants aged 70 and above extremely complex for underwriters.
A congenital heart defect (CHD) is a problem with the heart’s structure due to an abnormal foetal development. The complex four-chamber configuration of a normal heart develops from a single tube in early foetal life.
The number of fatalities caused by heart disease, cancer, stroke, unintentional injuries and diabetes - the five leading causes of death in the US - has fallen, according to a report published in JAMA.