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Medical Selection of Life Risks

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Table of Contents

PART ONE A Historical Survey of the Development of Life Assurance Forms of Life and Health Insurance Contracts Principles of Risk Selection and Classification The Application of Life Table Methodology to Risk Appraisal The Rating of Substandard Lives Underwriting Genetic Diseases Underwriting Older Ages Underwriting Younger Ages Disability Insurance Long Term Care Underwriting Impaired Lives Annuities Structured Settlements Application Processing Life Underwriting and Information Technology PART TWO The Concept of Health and Disease The Medical Examination Drawing Conclusions From Test Results Build Blood Pressure Diabetes Mellitus Cardiovascular Disorders Electrocardiography Respiratory Disorders Ear, Nose and Throat Disorders Disease of the Kidney and Urinary Tract Disease of the Liver and Alimentary Tract Oncology Blood Disorders Endocrine Disorders Diseases of the Nervous System Psychiatric Disorders Substance Abuse Rheumatic Disorders Musculoskeletal Disorders Infectious Diseases HIV and AIDS Tropical Disease Pregnancy and Female Reproductive Disorders Miscellaneous Impairments

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About the Author

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.

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