Lifestyle Underwriting

Work as Paradox

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The Job Satisfaction Paradox for the Self-Employed – BusinessWeek

How can the self-employed earn less money, work more hours, and experience more work-related stress than the wage employed—yet still report greater overall job satisfaction? The answer appears to be that people value highly the autonomy, flexibility, and opportunity to work in a small organization .

Many studies show that the desire to be one’s own boss is one of the leading motivators of self-employment. Others report flexible schedules are a key motivator of self-employment. Moreover, human beings have a preference for working in settings where they can interact with all the members of the organization, according to research by Bruno Frey and Matthias Benz of the Institute of Empirical Economics of the University of Zurich.

In short, the paradox isn’t such a paradox after all. People will work harder, earn less, and put up with more stress so that they can enjoy the freedom, flexibility, and work environment that self-employment provides.

Stay Active Stay Healthy (Guys Too)

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Arch Intern Med — Abstract: Combined Effects of Cardiorespiratory Fitness, Not Smoking, and Normal Waist Girth on Morbidity and Mortality in Men, Dec 14/28, 2009, Lee et al. 169 (22): 2096

Conclusion – Being physically fit, not smoking, and maintaining a normal waist girth is associated with lower risk of CHD events, and CVD and all-cause mortality in men.

Stay Active Stay Healthy

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Arch Intern Med — Abstract: Physical Activity at Midlife in Relation to Successful Survival in Women at Age 70 Years or Older, January 25, 2010, Sun et al. 170 (2): 194

Methods – A total of 13 535 Nurses’ Health Study participants who were free of major chronic diseases at baseline in 1986 and had survived to age 70 years or older as of the 1995-2001 period made up the study population. We defined successful survival as no history of 10 major chronic diseases or coronary artery bypass graft surgery and no cognitive impairment, physical impairment, or mental health limitations.

Conclusion – These data provide evidence that higher levels of midlife physical activity are associated with exceptional health status among women who survive to older ages and corroborate the potential role of physical activity in improving overall health.

Define “Celebratory” Please

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“Celebratory” of course refers to the practice of some insurance company underwriting departments to allow non-tobacco rates for applicants with occasional use of cigars and pipes.

Cigars, Pipes No ‘Healthy’ Alternative to Cigarettes – BusinessWeek

The study results show clearly that cigar and pipe smokers are exposed to toxins and run the risk of developing chronic obstructive pulmonary disease (COPD), a progressive destruction of airways than can be crippling. Emphysema and chronic obstructive bronchitis are the two major forms of COPD, which is a leading cause of death among U.S. adults.