The life industry finds itself at an inflection point as insurers come under growing pressure to position themselves to embrace genomics and genetic testing. Best's Review explores the underwriting implications of rapid advances in genomics, including research by RGA and King’s College London into the risk prediction potential of polygenic risk scores for incidence and death from breast cancer and coronary artery disease.
This article discusses what a genetic test can reveal about us, the variety of genetic tests available and some of the pitfalls we can experience as underwriters, or indeed consumers, of these genetic tests.
Richard Russell, Ph.D., Lead Health Data Scientist, U.K., Division of Global Research and Data Analytics (GRDA), addresses polygenic risk scores (PRSs) and provides an update on the quickly advancing knowledge in this area of genetics research and risk assessment.
Four-part webcast series presents new research and explores potential implications for the insurance industry.
Genetic testing is now available for many disorders. We have known for centuries that heredity is involved in many diseases. However, 15 years ago the Human Genome project was completed, and the sequence of human DNA is now known. This major accomplishment has caused an explosion of new information about genetic diseases, confirming previous suspicions in many diseases and identifying the genetic contribution in others.
Eat your vegetables. Stay active. Avoid smoking. Keep out of the sun. Patients have been hearing this good advice from their doctors for a long time. Now, researchers are uncovering new evidence that our lifestyle choices can measurably influence mortality risk at a genetic level. Learn more about the emerging science of epigenetics in a two-part interview and the webinar “Epigenetics and Liquid Biopsies: Fact, Fiction or Both.”
There have been a number of changes in the insurance landscape in the recent past which present challenges for the consumer, advisor and underwriter. Last year, some carriers changed their position on marijuana usage by offering their clients non-smoker rates. There have also been recent legislative changes regarding genetic testing that impact life insurers.
Progress in genomics is creating opportunities and threats for medical underwriting in both health and life insurance.
Complicated pathology reports can contain significant amounts of genetic information. It has become vital for insurance company medical directors, underwriters, and claims professionals to understand "driver mutations" present in, or absent from, a tumor's genome, well as targeted therapies and their mechanisms. This article will examine how genetics contributes to cancer development, treatment, and prognosis.
The United Kingdom may have come up with a good, practical compromise.