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[Is family history dispensable?]
Versicherungsmedizin
|August 10, 2013
Summary
Family medical history impacts life insurance risk assessment due to genetic and external factors. This study introduces a new method to quantify family history
Area of Science:
- Actuarial science
- Genetics
- Public health
Context:
- Family medical history is crucial for life insurance risk assessment.
- Both genetic and environmental factors influence familial disease patterns.
- Limited research exists on the broad impact of family history on insurance products.
Purpose:
- To develop and present a novel method for evaluating the influence of family history on insurance claims.
- To analyze the effect of family history data on German life, disability, and long-term care insurance products.
- To assess the significance of family history questions in the life insurance application process.
Summary:
- A new methodology is proposed to quantify the impact of family medical history on insurance claims.
- The method utilizes typical age patterns for German life insurance products.
- Case studies on breast cancer and schizophrenia demonstrate the approach's utility.
Impact:
- Enhances life insurers' understanding of family history's role in risk assessment.
- Provides data-driven insights into the essentiality of family history inquiries during underwriting.
- Contributes to the ongoing discussion on optimizing risk assessment in life insurance.
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