Add +50 Debits up to Decline

The connection between OSA and SCD is getting stronger according to a recent study by the Mayo Clinic.  This information has profound implications for how life underwriters approach this combination of impairments.  When I started in the profession last century, not much thought (or rating) was given to OSA.  Times have changed and we now know more about the risk. 

Will we use this new data or once again succumb to market forces?

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