sleep

RGA's Dr. Adela Osman, Chief Medical Research Officer, RGA South Africa, offers an eye-opening examination of sleep and medicine in ReFlections. She argues that sleep deprivation is an under-recognized public health crisis.

Munich Re analyzed the effectiveness of daily sleep duration in stratifying the mortality risk profile of a U.S. insured population simulated from National Center for Health Statistics survey data.

The frailty index (FI) holds a robust and consistent correlation with mortality and morbidity and is a stronger predictor of mortality than chronological age. Frailty status may be a promising risk factor to add into the underwriting mix, particularly for disability products.