Medical Selection of Life Risks [Hardcover]

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.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 l“-