According to the World Health Organization, as of March 12, the global spread of COVID-19 is estimated at more than 80,000 in China and close to 125,000 worldwide (1). As expected, it is beginning to have an impact within the Canadian underwriting marketplace as well. Continue reading “Advanced Underwriting Bulletin on COVID-19 (Coronavirus)”
Electronic cigarettes (e-cigarettes) have caused quite the stir for the couple of decades that they have been in existence. In fact, there has been no end to debate on whether they are a healthy and risk-free alternative to smoking tobacco versus whether they are detrimental to health and will eventually lead to the cancer and heart disease that we typically associate with long-term smoking. Continue reading “The Vaping Debate Continues”
The story of how opioids, the strongest of painkillers, crept into everyday use and abuse is now the stuff of investigative news reports, books and documentaries. So, what is the big deal about these little pills?
Cardiovascular disease (CVD) is the leading cause of death worldwide and remains a major focus in underwriting life insurance and living benefits. Determining the long-term risks of developing CVD has captured the interest of researchers, underwriters and actuaries alike. Continue reading “Drop and Give Me 40: The Power of Pushups”
The introduction of legalized cannabis in October 2018 was accompanied by a great deal of publicity, debate and no shortage of controversy. Less publicized but equally as important, were the changes made to the impaired driving laws in December 2018, addressing the use of both alcohol and cannabis when behind the wheel of a vehicle. Continue reading “DUIs: New Laws for a New Era”
Goodbye rainbow of food groups, hello mindful eating. Continue reading “The Canadian Food Guide & Life Insurance”
Most agree that money can buy the necessities and a little more money can add a few extra comforts to our day-to-day lives. In fact, it is often debated whether a greater fortune brings longer life, but few medical studies have taken a serious look at this question.
Until now, a biopsy study looking for cancer usually involves either a sharp scalpel to remove the suspected tissue or a needle injected into the site requiring examination. What if a simple, inexpensive blood test could do the following: Continue reading “Liquid Gold: A Fluid Approach to Cancer Underwriting”
With the legalization of marijuana across Canada, the insurance industry has also moved toward accepting recreational users on a larger scale and, more recently, on a non-smoker rate basis. Continue reading “Cannabis and Underwriting”
Sometimes, medical tests done for underwriting purposes point to a potential health or mortality concern, even when the client has received a clean bill of health from their attending physician. This can result in the client being offered a ‘rated’ life insurance policy or being categorically declined coverage altogether even though the client reports, “But my doctor says I’m fine!” Continue reading “But My Doctor Says I’m Fine”