Highs, Lows & Don’t Knows
Are cannabis, hemp and marijuana the same thing? What are THC and CBD? Are the medicinal benefits of cannabis true? What are the health risks? And as of now, is there enough data to assess the mortality impact?
Presentations from the 2018 WAHLU Spring Seminar
Slides from the 2018 Wisconsin Association of Health and Life Underwriters have been posted at the WAHLU website.
- Drugs: Startling trends, testing & tales
- Underwriting Asthma & COPD Using Rx
- Underwriting Alcohol-Related Risk
Cost-Benefit Analysis of Underwriting Screening for Opioid Risks
The question we hear from underwriters is: is it financially feasible to screen all life applicants for opioid use? The intention of this paper is to provide context for these concerns by exploring various screening options, and to provide a cost-benefit analysis that can assist underwriting departments in determining when to use such screening tools.
Industry Survey Insights: The Impact of Tobacco, Alcohol, and Drug Use on Anti-Selection
A recently commissioned study by Hank George, Inc. surveyed 110 direct-writing U.S. and Canadian life insurance carriers on fully underwritten businesses. The survey covered a variety of tobacco, alcohol, and drug use topics*. ExamOne asked consultant and former risk management director at Allstate Financial, Eric Hjerpe, to outline and expand upon some of the findings and trends he extracted from the survey results.
Medical Underwriting: The Race against Antibiotic Resistance (RGA)
Are Miracle Drugs Being Outmatched by Superbugs?
Medical Underwriting: UPDATED Marijuana - Not Just Blowing Smoke (RGA)
Legal “pot” use is no longer a pipe dream. Although marijuana remains the most commonly consumed illegal drug1 in the world, many nations and at least 28 U.S. states and the District of Columbia have decriminalized its medicinal use, and efforts to liberalize recreational consumption continue to gain momentum.
Coming in 2017: More Pot-Smoking Life Insurance Policyholders
Marijuana smoking has been on the rise in recent years. In the wake of the November 2016 elections, the number of users — already 25 million-strong — is likely to increase, and perhaps substantially.
The Increased Insurability of Regular Marijuana Users
Until recently, nearly all life insurers’ underwriting guidelines pegged cannabis user insurability akin to that of tobacco cigarette smokers. Not any longer.
Presentations from the 2016 SEHOUA Meeting
Slides from the 2016 SEHOUA Meeting have been posted. They include:
- Betsy Sears – “Young Kids, Old Bodies”
- Dr. Stout – “Drugs and Alcohol – The Landscape”
- Dr. Titcomb - “Red Cell Distribution Width (RDW): An Underappreciated Marker for Increased Mortality
- Mike Clift – “Motor Vehicle Reports and Driving Criticism Trends, Technology and Terminology”
- Dr. Greene - "Prostate Cancer: A Decade of Change"
- Dr. Dave Rengachary - “Advances in Multiple Sclerosis”
- Dr. Rooney – Genetics: A Discussion of How our Genes Impact Mortality”
- Ron Schaber, Philip R. Murphy and Greg Brandner - “Big Data Today and Tomorrow – the drive toward fully underwritten pricing”