Genetics and insurance is an area unusually exposed to rapid scientific advance, close public and political scrutiny, and popular myth. It may be leading the way towards evidence-based underwriting. This survey paper describes some of the experience gained since actuarial involvement began in the mid-1990s, particularly the vital link with genetic epidemiology. We survey the relevant aims and o...

Non-Hodgkin’s Lymphomas are tumors of lymphoid origin with the exception of Hodgkin’s Lymphoma and lymphoid leukemias. This includes a broad spectrum of malignant lymphomas with differing natural histories and prognoses. There have been several attempts to classify these diseases, but none satisfactory. As a result, there are several classifications in use. Therefore, Non-Hodgkin’s Lymphomas (N...

The process of insurance underwriting determines whether insurance company will accept an application for insurance. It is a complex decision-making process and due to information overload problems, it becomes harder for the insurance companies to efficiently estimate risks in a reasonable time. In this paper we present a framework of an expert system for insurance premium assessment. It combin...

Mortality risk assessment of juvenile life insurance applicants with impairments can be challenging. Advances in neonatal care means more premature infants will survive into childhood and adulthood with attendant respiratory and neurologic disorders. The degree of neonatal lung disease and length of ventilator support are factors that help to separate out more favorable risks. Autism and other ...

A knowledge framework for medical manual revision, competitive underwriting, accurate risk assessment, and precision decision making.

The United States has had 43 presidents. We examined whether they survive significantly longer or shorter than their contemporaries. We found that survival was better for presidents elected in the 1789-1841 and 1933-2001 periods (SMRs of 0.7 and 0.6, respectively), but worse for those elected in 1845-1929 (SMR = 2.9). We also found increased mortality during the years lived in office (SMR = 1.4...

Alzheimer’s Dementia (AD) is a disease of the elderly, although it tragically can affect individuals at younger ages. The age adjusted annual death rate, based on United States population data, shows a tenfold increase from 0.004/1000 in 1979 to 0.042/1000 in 1987. The cause for this dramatic change may be twofold. First, the true incidence or prevalence may have increased. Secondly, due to inc...

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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...