Our Perspective
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Building Underwriting Models for Mental Health
By Dr. Chris Ball October 08, 2019English
As a young psychiatrist, I went through a period of being excited about the brain. It seemed that emerging technologies in imaging and genetics would transform clinical psychiatry. This was encouraging news with mental health problems causing the most...
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Why It’s Time to Re-evaluate Cystic Fibrosis
By Jon Parker September 10, 2019English
Cystic fibrosis was rarely encountered by Life and Health underwriters until relatively recently. However, advances in our understanding of this inherited lung disease, and the emergence of more effective treatments, mean that children born with the...
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Modeling Mortality at Older Ages - Benefits and Challenges
By Jean-Marc Fix August 19, 2019English
When one looks at a curve of the mortality rates by age in developed countries, we notice a very regular pattern. Especially the middle-age groups - age 30 to 70+, for example - seem to have close to an exponential curve in mortality rates. This observation,...
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Genetic Testing Put Under the Microscope
By Dr. John O'Brien August 13, 2019English
Genetic testing is becoming more accessible and commonplace, with new genetic links to diseases regularly being identified. However, the many constraints on the use of predictive genetic tests in insurance means that the easy availability of direct...
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Medical Advances and Reality Checks for Underwriters
By Annika Tiedemann August 06, 2019English Deutsch
Earlier this year researchers at Heidelberg University Hospital announced the development of a blood test that can detect breast cancer cells in patients - with higher accuracy than mammography. Around the same time it was reported that a second and...
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Understanding Mortality - Lessons From Older Ages
By Jean-Marc Fix July 31, 2019English
Mercifully, death happens only once to each of us. Nonetheless as I look at my Facebook feed, I can’t help but notice that death and disease are taking more and more space, surpassing news about weddings and births. You might say aging is an unfortunate,...
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