This paper examines evidence in the clinical literature supporting the assumption that there are significant mortality and morbidity implications associated with tooth loss at older ages.
Readers will hopefully come away impressed with the value of asking about tooth loss on teleinterviews, especially at ages 55 and older.
Networking by underwriters is more important now than ever before, given these troubled times with so many of our brothers and sisters either out of work or at risk for losing their jobs due to the contrived “economic downturn.”
This paper compares and analyzes findings from the 2007 and 2011 Life Underwriting Requirement surveys.
There were 135 participants in 2007, whereas 90 U.S. insurers completed the 2011 survey. Nearly all of the 50 largest insurers participated in both surveys.
After writing a comprehensive CE (continuing education) course on the late underwriting implications of childhood/adolescence cancer, it was clear to me that companies doing teleunderwriting need a specific drilldown questionnaire to adequately address this subject.
More and more childhood/adolescence cancer patients survive for decades after apparent cure. Many experience significant complications arising years to decade after completion of all treatment.
Here are a set of coronary artery disease slides from a lecture Hank presented recently. These slides provide a complete review of the pathology, symptoms, diagnosis, and management of coronary artery disease.
In the North American market, life insurers screen for one drug of abuse routinely. That drug, of course, is cocaine and we have been testing for it in both urine and oral fluid for many years.
However, cocaine is not the only abused drug that has attracted insurer interest. While nearly all carriers include cocaine testing in their urine profiles, both marijuana and methamphetamine are also under “surveillance” on some basis by certain carriers.