SCORviews October 2017 Issue
Articles featured in the October 2017 issue of SCORviews include:
- Modeling Policyholder Behavior
- Innovations in Life Insurance
- SCOR Mortality Insight
Drug Abuse Mortality in the Insured Population
Population data show that drug-related mortality rates have more than doubled since the beginning of the century. This statistic is troubling enough as it is, but it hides the fact that almost all the increase is due to opioids, which account for just over half of the deaths.
Opioid Epidemic – How Did We Get Here?
This paper seeks to understand the unique set of circumstances that led to the dramatic rise in opioid prescriptions over the last few decades, and provide a brief overview of the resultant morbidity and mortality for the insured population.
Sepsis Mortality and Morbidity Trends – An Insurance Perspective
RGA’s Dr. Daniel Zimmerman answers questions on sepsis development and mortality trends.
Recent Trends in Mortality by Cause of Death
The Centers for Disease Control and Prevention (CDC) regularly issues news releases regarding current trends in US population mortality. In June of 2016, articles in The Washington Post and The Wall Street Journal cited new CDC data from 2015 which showed a rise in the US mortality rate.
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Chronic Myelogenous Leukemia: Survival has Significantly Improved
Advances in the treatment of chronic myelogenous leukemia (CML) since 2001 have resulted in greatly improved survival for this hematologic neoplasm, which earlier was treatable only with palliative measures or through a highly risky hematopoietic cell transplantation.
Obesity Trends Threaten Continued Mortality Improvements
The United States has enjoyed a trend of steadily improving age-adjusted population mortality over the past 80 years. However, two epidemics, obesity and opioid drug abuse, are threatening the extension of that trend. This issue of Housecalls addresses some aspects of the obesity epidemic.
Antimicrobial Resistance – Taking Stock
A recent UK report estimated that, in the absence of any progress in combating antimicrobial resistance, there would be a staggering 10,000,000 deaths globally in 2050, compared to 700,000 today. To provide some perspective for this number, antimicrobial resistance would cause more deaths than cancer. The economic cost would be US$100 trillion. The implications for the insurance industry are potentially very damaging.
Non-Natural Death Trends in the United States
While non-natural deaths have generally been decreasing worldwide, death rates from non-natural causes have been climbing in the United States. RGA offers a deeper look at U.S. non-natural mortality experience in four categories – other accidents, suicides, motor vehicle accidents, and homicides – and compares trends to experience from six developed countries.
To Underwrite Scuba Diving, Understand the Perils of the Deep
Recreational scuba diving is a popular sport. With millions of people diving around the world, it has become a common disclosure on life insurance applications. However, diving presents a challenge for risk assessment because diving activities can be quite diverse and some put participants at significant risk of harm.