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)”
Category: Risk Bits
The Vaping Debate Continues
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”
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The Vaping Risk: Clearing the Air
The Opioid Crisis: Of Pain and Killers
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?
Continue reading “The Opioid Crisis: Of Pain and Killers”
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The Opioid Crisis: Of Pain and Killers
Drop and Give Me 40: The Power of Pushups
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”
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Drop and Give Me 40: The Power of Pushups
DUIs: New Laws for a New Era
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”
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Driving High and how it can Impact Your Future
The Canadian Food Guide & Life Insurance
Goodbye rainbow of food groups, hello mindful eating. Continue reading “The Canadian Food Guide & Life Insurance”
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The Canadian Food Guide: Tips for a Long & Healthy Life
Money and Mortality
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.
Liquid Gold: A Fluid Approach to Cancer Underwriting
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”
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A Fluid Approach to Cancer
Cannabis and 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”
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Legal Cannabis: What It Means For Your Insurability
But My Doctor Says I’m Fine
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”