CKD Risk and High HgbA1c

Arch Intern Med — Abstract: Poor Glycemic Control in Diabetes and the Risk of Incident Chronic Kidney Disease Even in the Absence of Albuminuria and Retinopathy: Atherosclerosis Risk in Communities (ARIC) Study, Dec 8/22, 2008, Bash et al. 168 (22): 2440

The more we know, the less we know.  The study population is small, but the findings merit our collective attention.  Think about these things the next time you are considering credits for the absence of retinopathy and/or albuminuria in a diabetic applicant.

Vitamin D and All-Cause Mortality

Follow this link to The American Academy of Dermatology homepage to download a PDF version of the AAD’s position statement on Vitamin D.  We are seeing a lot more older age applicants and it is critical for underwriters to factor in low Vitamin D levels when assessing such risks.

Very few foods in nature contain Vitamin D (but you already knew that, didn’t you?). 

Low levels of Vitamin D have a higher risk of all-cause mortality.

Click this link to access a good article on Vitamin D deficiency and higher all-cause mortality. 

Primary Care Metabolic Group – Vitamin D Deficiency

May I recommend a couple of glasses of soymilk daily?

Watch, Listen, and Learn – Ablation

Ablation for WPW, Afl, and SVT

A while back I asked this question in a post:  How much medical information is enough for the underwriter?  When I first pondered this question I thought underwriters needed to know as much as a family care MD/DO.  Having come to a better understanding of what medical students need to know, I’ve changed my tune.  Underwriters don’t have to be doctors.

Underwriters still need to know what kills people.  But we don’t have to know as much as a doctor.  More knowledge is better than less knowledge and experience remains the ultimate teacher.  I’m still working on the answer.

But in the meantime, keep learning.  I love short videos like this one.  Like Yogi says, you can observe a lot by just watching.

Listen and Learn – Drugs and Death in Mexico

The U.S.-Mexican Border: A Changing Frontier : NPR

Several posts ago I wrote briefly about some of the problems our neighbor to the South is having with the illegal drug trade.  I did extensive work in this area while advising a US based life company on its possible entry into the Latin life markets.  This is a quick audio series that provides a good overview of what’s happening.   If you’re writing business on the border or in Mexico you need to know what’s happening in order to keep your risk assessment brain cells sharp.

I’ve been to Mexico quite a few times.  Bogota is safer now.