Loneliness and Social Isolation Linked to Early Mortality
There are a number of health and lifestyle factors - obesity, smoking, air pollution - that are known to be risk factors for early mortality and receive considerable attention. New research has suggested that social connections should be added to this list, with a study finding loneliness and social isolation to be risk factors for all ages.
2015 Global Insurance Outlook
Key challenges in 2015 include rising competition, generally soft pricing conditions and tight profit margins. To effectively surmount these problems, many insurers are investing technological solutions that improve front-end sales, distribution and customer service, and enhance back-end operational efficiency and expense management.
Thyroid Cancer and Critical Illness – Incidentally Speaking
The thyroid is a physically insignificant endocrine gland located in the neck anterior to the trachea. Cancer of the thyroid has historically been uncommon, yet incidence rates have been increasing dramatically worldwide over the past 20 years. A corresponding increase in thyroid cancer claims has also been observed in Critical Illness (CI) insurance over the past decade.
Invasive Cancer Incidence and Survival — United States, 2011
Because of improvements in early detection and treatment of cancer, the proportion of persons with cancer who survive ≥5 years after diagnosis has increased.
LIMRA: Individual Life Insurance Sales Experience Strong Fourth Quarter Growth
Individual life insurance new annualized premium grew 11 percent in the fourth quarter 2014; resulting in a 2 percent increase for the year, according to LIMRA’s Retail Individual Life Insurance Survey.
Not to Be Sneezed at – The Threat From Infectious Disease
The range of infectious diseases that cause distress, illness and death remains truly staggering. Malaria, pneumonia, HIV, meningitis, plague, yellow fever, cholera, influenza and most recently Ebola continue to influence not only individuals but the economic and social life within large regions of the world. Most countries have experienced epidemics of one form or another over the past decade. The majority has been contained, but the H1N1 influenza outbreak of 2009 briefly demonstrated the potential for global reach.
Smoke and Mirrors: Marijuana Use and Underwriting
Most life insurers underwrite adult marijuana use as if it conferred the same relative mortality risk as cigarette smoking. Is this approach based on credible evidence or rather driven by long-standing misperceptions of the risk implications of marijuana consumption?
Underwriting Presentations from the 45 Annual M.U.D. Group Conference
Conference presentations have been posted at the M.U.D. Group website. They include:
- General Neurology: “Mind Bending” Underwriting Conundrums
- Medical Adherence: Practical Insight for underwriters
- Tumor Case Clinic: Breast, Prostate, Melanoma
- MVR's: Why Should I Care?
- Different Smokes for Different Folks
- Predictive Modeling in Underwriting: Proving The Science Behind The Theory - Mortality Implications and Correlations
- Multicultural Market and Foreign Risk Challenges - Ask the Experts