Five servings of fruits and vegetables a day — in particular, three vegetables and two fruits — provide the greatest mortality benefit, according to an observational study and meta-analysis in Circulation. Researchers analyzed results from the Nurses’ Health Study and Health Professionals Follow-Up Study. Over 100,000 people regularly completed food-frequency questionnaires and were followed for […]
I just learned how to embed a tweet into a blog post so I decided to embed my own tweet (in case you were wondering).
I have a Covid shelf in my Pandemic Pantry which can now be redeployed. The question is what do I do with all of those disinfectant wipes I bought?
Since the initial outbreak, physicians and scientists have learned that infections with SARS-COV-2, severe enough to require hospitalization, can elicit an over-activation of the immune system. The inflammation can become severe enough to cause extensive organ damage, but the degree of damage may not be known or recognized for weeks to months after recovery. In […]
The short and simple answer is no. This eating pattern worked for me until it didn’t. For example, researchers told 51 adults with overweight or obesity to eat 1,200 to 1,500 calories a day, either as three meals or as mini-meals (with at least 100 calories each) every few hours. After six months, the grazers […]
I don’t really understand what underwriting is, let alone accelerated underwriting. I looked it up and read a couple articles from Google, but still don’t understand it. I know it has something to do with risk. I remember when my mother was in her 80s, I had to look around for quite a while to find a policy that would still cover her. She was going to be dropped by her old one. Actually with my mother as I recall it was an annuity not life insurance. So that may be different.
Remember I come from a life insurance background, underwriting specialist at your service. Put simply the underwriting process is risk selection, deciding who qualifies for coverage and at what price. It has been my life’s work to understand the things that impact an individual’s longevity and charge premiums appropriately.
Accelerated means time to issue. Companies are shortening the time it takes to underwrite by streamlining processes and using alternative data sources instead of medical records from doctors and hospitals.
Your clear concise reply explains this concept so much better than multiple google pages. Thank you!
Is this different from an actuary?
Yes. Actuaries use complex models to set prices for large groups of people. Underwriters work supports the actuarial pricing model on a case by case basis. Bad underwriting = lower or no profits. Bad actuarial pricing means the company is really screwed.