Frailty: Implications and Risk Assessment for Underwriting
By the year 2060, almost 24% of the US population will be age 65 or older. Biomedical and public health advances have led to great increases in longevity and a shift in disease burden to multiple chronic diseases with aging. In On the Risk, RGA's experts discuss frailty as an underwriting challenge. Explore the definition and prevalence rates of frailty and one of the most widely used frailty scales in geriatric research.
In our first article we looked at some of the basic terminology used around the umbrella term artificial intelligence (AI). In our second we take a deeper dive into an area which we think has huge potential in underwriting and claims.
One Underwriter’s Story, One Breakthrough COVID-19 Infection, and an Ongoing Conversation
A harrowing bout with a breakthrough case of COVID-19 causes RGA's Jennifer Johnson to have a breakthrough of a different kind. She shares her wrenching personal experience, offers some lessons learned, and embarks on a conversation with RGA's physicians about the particulars of her case.
Munich Re Life US evaluated LexisNexis Risk Classifier with Medical Data, a predictive modeling tool developed and owned by LexisNexis® Risk Solutions in collaboration with ExamOne. It assesses mortality risk by combining an individual’s behavioral and credit attributes and medical data, including prescription history, clinical laboratory results, and medical claims.
Continuous glucose monitoring (CGM) allows for real-time measurement of blood glucose, and is a technology being used by an estimated 7 million individuals in the U.S. and growing. In On the Risk, RGA's Drs. Dave Rengachary and Lauren Garfield explore the ways a sensor placed under the skin can now provide an extremely detailed picture of glucose homeostasis. Underwriters will need to understand the interpretation, associated terminology, limitations, and long-term mortality implications of this monitoring.
Genomic Sequencing of Tumors – Driving all New Developments in Cancer Medicine
In this, the last of our 4-part series of insurance-focused articles on cancer, Dr. Achim Regenauer, Chief Medical Officer, presents a high-level overview of how genomic sequencing of cancers is blasting a trail for improved, early diagnosis and precision medicine by providing a powerful and ever-expanding means to detect, identify, subdivide and monitor cancer – and how this remarkable development could impact Life & Health insurers.
This article is the last in a three-part series, highlighting areas of research funded by the Longer Life Foundation (LLF), a not-for-profit organization that supports the study of scientific and public health factors predicting mortality, morbidity, longevity, and wellness.
Have you noticed that the word invasive is being bandied about more and more often in underwriting-related articles and commentaries published online and in various industry publications? This is mainly being done by those advocating radical changes in underwriting practices.
The purpose of this paper is to discuss the insurability implications of low normal/ below normal ALT in the elderly… in the hope that insurers will consider adding appropriate guidelines for this finding at older ages.