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.
The American College of Cardiology and The American Heart Association published the new “2017 Guideline for the Prevention, Detection, Evaluation, and Management of High Blood Pressure in Adults” on November 13, 2017. The new guidelines propose lower thresholds for diagnosing and lower goals for treating hypertension than the previous recommendations of 2003, especially for individuals at high risk for adverse future cardiovascular events.
This article introduces aortic pulse wave velocity (aPWV) and explains how this new biometric could help underwriters to predict major cardiovascular events and mortality.
Welcome to the 7th edition of SCORacle, which contains some variation to the usual Underwriting and Claims focus and includes articles by 3 young students that spent some time with SCOR in the summer to provide their views of our industry. This provides a fascinating insight into the thoughts of our consumers of the future. In addition, we also have some interesting information from our Consultant Cardiologist on two commonly seen conditions that from an underwriting perspective we should keep an eye on and for our readers who are Claims assessors, we include some information relating to changes to death certification.
For patients with type 2 diabetes, hemoglobin A1c (HbA1c) is not significantly associated with cardiovascular events, regardless of clinical manifestation of vascular disease, according to a study published online Aug. 25 in Diabetes Care.