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.
The author makes the case that the new underwriting strategies will continue after the COVID-19 pandemic is over.
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.
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.
The center questions the use of factors such as employment class and education level in marketing, underwriting and pricing.
Why do some COVID-19 patients experience critically low blood-oxygen readings? Why has mechanical ventilation been of varying benefit? RGA's Heather Lund explores these and other pertinent questions surrounding COVID-19-associated coagulation abnormalities. Insights shared and learned can only help to better understand, manage, and predict possible disease outcomes of this novel pathogen.
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