Underwriting implications of premalignant disease.

Premalignant disease: the breast.

Premalignant disease of the breast is a controversial and evolving area of medical research. Breast cancer remains the number one cause of death in women in the US between the ages of 40 and 55 and ultimately causes about 4% of all deaths in women. Efforts to identify women at increased risk are of tremendous importance both clinically and from an insurance perspective. To make appropriate unde...

Underwriting considerations for dissociative disorders.

OBJECTIVE Dissociative identity disorder (DID) has been diagnosed more frequently and is under greater scrutiny. Because of the number of comorbid conditions, the underwriting risks must be evaluated to determine morbidity and mortality implications. BACKGROUND The number of diagnosed cases of DID has increased in recent years. The diagnosis often coexists with other diagnoses such as bipolar...

Pricing implications of trends in population mortality and underwriting effectiveness.

Pricing actuaries try to anticipate insured lives mortality rates for decades into the future by considering historic relationships between population and insured lives mortality and trends in population mortality. The degree to which underwriting might decrease insured lives mortality relative to population mortality is of particular importance. A comparison of trends in population and insured...

A Review of Oral Submucousal Fibrosis, Related Factors, Prognosis and New Therapeutic Approaches

Abstract   BACKGROUNackground and AIMD & AIM: Oral Submucous Fibrosis (OSF) is an oral premalignant condition with highest premalignant potential  among oral precancerous lesions which characterized with inflammation and  progressive fibrosis of  submucosal oral tissues (cause to significant irreversible rigidity and trismus). During the years, many classification systems have been propo...

The Antitrust Implications of Collaborative Standard Setting by Insurers Regarding the Use of Genetic Information in Life Insurance Underwriting