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Cognitive impairment and mortality--an issue worth remembering.

Journal of Insurance Medicine (New York, N.Y.)

|October 23, 2009

Summary

Cognitive impairment significantly impacts mortality risk in long-term care insurance applicants. Low Delayed Word Recall scores indicate higher mortality, a finding relevant for life insurance underwriting.

Area of Science:

Gerontology
Insurance Medicine
Cognitive Neuroscience

Background:

This study examines the mortality implications of cognitive impairment in insurance applicants.
It builds upon prior research by Vecchione and Golus (2007) concerning long-term care (LTC) insurance applicants.

Discussion:

The 2007 study found significantly higher mortality in LTC applicants with low Delayed Word Recall (DWR) scores (0-5) compared to those with scores of 6-10.
A limitation was the dataset's focus on group LTC applicants, potentially limiting generalizability to individually underwritten life insurance.

Key Insights:

Cognitive impairment, specifically low DWR scores, is a significant predictor of mortality.
The findings highlight the importance of cognitive assessment in insurance underwriting.

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There is a need to validate these findings in populations beyond group LTC insurance.

Outlook:

Further research is needed to confirm these mortality trends in individually underwritten life insurance cohorts.
Cognitive function assessment may become a more integrated part of life insurance risk evaluation.
Understanding cognitive impairment's link to mortality can refine actuarial models.