Medical Selection of Life Risks

1. Front Matter

   Pages i-xvi

   PDF

2. Part I

   1. Front Matter

      Pages xvii-xvii

      PDF

   2. A Historical Survey of the Development of Life Assurance

      • R D C Brackenridge, Arthur E Brown

      Pages 1-15

   3. Types of Life and Health Insurance Policies

      • Peter C Maynard

      Pages 17-23

   4. Principles of Risk Selection and Classification

      • Harry A Woodman

      Pages 25-35

   5. The Application of Life Table Methodology to Risk Appraisal

      • Richard B Singer

      Pages 37-60

   6. The Rating of Substandard Lives

      • Michael W Kita

      Pages 61-88

   7. Underwriting Genetic Diseases

      • J Alexander Lowden

      Pages 89-102

   8. Underwriting Older Ages

      • Linda S Goodwin, Paul E Hankwitz, Martin Engman

      Pages 103-121

   9. Underwriting Younger Ages

      • Patrick D Snow

      Pages 123-139

   10. Disability

       • Paul R Bell

       Pages 141-153

   11. Long-Term Care Underwriting

       • Daniel C Elliott, Emilio Rubi

       Pages 155-168

   12. Impaired Lives Annuities

       • W Nicholas Anderton, Geoffrey H Robb

       Pages 169-171

   13. Structured Settlements

       • James A Ryan Jr, Roger F Harbin

       Pages 173-180

   14. Application Processing

       • Gary Bundock

       Pages 181-185

   15. Life Underwriting and Information Technology

       • Richard E Braun, Arthur W Detore

       Pages 187-197

3. Part II

   1. Front Matter

      Pages 199-199

      PDF

   2. The Concept of Health and Disease

      • R D C Brackenridge

      Pages 201-212

   3. The Medical Examination

      • R D C Brackenridge, Richard S Croxson

      Pages 213-232

   4. Drawing Conclusions from Test Results

      • Patricia Daniel, Michael W Kita

      Pages 233-248

Medical Selection of Life Risks has long been recognised as the reference book on insurance medicine. The fourth edition provides a comprehensive guide to life expectancy for underwriters and clinicians involved in the life insurance industry. Extensively revised and expanded the 4th edition of Medical Selection of Life Risks reflects developments in life and healthcare insurance as well as medicine. There are completely new chapters: on the underwriting of genetic diseases, disability underwriting, impaired lives annuities, musculoskeletal and soft tissue disorders. Several major chapters have been completely re-written, including respiratory, ischemic and congenital heart diseases and oncology. Part I - deals with the principles of life and disability insurance and the logistics of life underwriting. Part II - is devoted to a systematic clinical appraisal of underwriting problems, mainly relating to life insurance but also, where appropriate, to disability, critical illness and long term care insurance.

• blood pressure
• care
• diabetes mellitus
• electrocardiography
• health
• heart disease
• HIV
• infectious disease
• information technology
• kidney
• medicine
• pregnancy
• psychiatric disorder
• psychiatric disorders
• rheumatism

• London, UK

  R. D. C. Brackenridge

• Empire General Life Assurance Corporation, Overland Park, Kansas and Life Reassurance Corporation of America, Stanford, USA

  W. John Elder

R.D.C. BRACKENRIDGE served as a medical officer in the RAF, 1942-46 after which he was a Senior Medical Registrar 1949-53. He then became a Consulting Medical Officer to Mercantile and General Re 1959 (recently Swiss Re Life & Health). He was President of the Assurance Medical Society in 1977 and an honorary member of the American Academy of Insurance Medicine in 1995.
W. JOHN ELDER served in the medical branch of the RAF, 1955-71. He has been a Senior Vice President and Chief Medical Director of both Cologne Life Reinsurance Company, Connecticut, USA and Transamerica Accidental Life, California, USA retiring in 1995. He was editor of the Journal of Insurance Medicine 1984-91 and President of the Association of Life Insurance Medical Directors of America (ALIMDA) 1990-91, currently consults in insurance medicine.

Policies and ethics