Head and neck cancers were the eighth most common cancers worldwide in 2018 and accounted for 3% of all cancer diagnoses and about 1.5% of cancer deaths in the U.S. alone. Epidemiologist Dr. Lauren Garfield discusses well known and emerging risk factors, survival rates, and more in ReFlections.
Mental Health – A Slow Paradigm Shift in Stigma, Diagnostics and Treatment
Underwriters and claims assessors should aim to keep up to date with the evolving management of mental health conditions to ensure risk and claims assessments are dealt with accurately and fairly to prevent stigma perpetuation.
Post-human underwriting? In On the Risk, RGA's Dr. Dihui Lai discusses the current state of artificial intelligence and the potential for machine learning, optical character recognition and deep neural networks to augment, but not replace, traditional life underwriting tasks.
Mobile apps are now widely accepted as a self-management tool for managing epilepsy – with smartphone applications used in tandem with traditional treatment and anti-seizure medications. This neurological disorder is a common condition seen by insurers, and many applicants with controlled seizure history can be considered favorably for life insurance.
HbA1c Levels – Mortality Biomarker or Random Fluctuation?
Over the past three decades, the global prevalence of diabetes has risen to record levels. There has been a corresponding increase in the use of the glycated hemoglobin A1c (HbA1c) test to assess or detect diabetes. An increasing number of underwriters are now also considering using HbA1c as a good blood biomarker for mortality.
Quite simply, hematuria is defined as the presence of blood in the urine. It can be obvious to the clinician (frank hematuria) or not visible to the naked eye (microscopic hematuria). The large majority of instances in insurance underwriting are picked up incidentally from the submitted urine sample. The critical question then is which cases are significant, which have benign causes, and which need additional investigation before underwriting can continue.
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.