older age underwriting
Assessing Elderly Heart Disease Risk
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.
Older Age Underwriting Practices Survey (SOA)
The Older Age Underwriting Practices Survey Subcommittee of the Society’s Committee on Life Insurance Mortality and Underwriting Surveys has completed its report on the results of a survey designed to elicit feedback regarding underwriting guidelines, requirements, assumptions and practices utilized in the assessment of older age applicants. This survey was sent to US and Canadian direct life insurance companies.
Mature Age Underwriting: How Much?
The American population continues to age. Based on 2010 census results, there were approximately 26 million individuals between age 70 and 89, representing a little over eight percent of the population. Other sources indicate that upwards of 10,000 individuals turn 65 every day.
Underwriting Presentations from the 2015 WAHLU Spring Seminar
Presentations include Adult Bipolar Disorder by Dr. Anthony Norelli and Mature Age Underwriting by Dr. Robert Lund.
(The top two presentations on the list are from the 2015 Spring Seminar)
Is Dementia Just Gradually Slowing Down? (Gen Re)
Dementia is associated with growing old and has a devastating impact on individuals’ capacity to self-care. The organization Alzheimer’s Disease International projects there will be more than 75 million people with dementia worldwide by 2030.
Dementia - The Presence of Mind
Dementia is a topic that is aired with increasing frequency in the media – perhaps due to raised awareness but certainly as a response to demographic change. The subject also arises in the context of life and health insurance product development, underwriting and claims.