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Published on: January 8, 2020
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Activity Level as a Mortality Predictor in a Population Sample after Typical Underwriting Exclusions and Laboratory
Journal of Insurance Medicine (New York, N.Y.)
|May 1, 2020
Summary
Physical activity significantly impacts mortality rates in healthy adults. Higher sedentary time increases mortality risk, while increased daily activity lowers it, independent of other health factors.
Area of Science:
- Epidemiology
- Public Health
- Biostatistics
Background:
- Sedentary lifestyles are linked to adverse health outcomes and increased mortality.
- Activity monitors are increasingly considered for life insurance underwriting.
- Quantifying physical activity's independent effect on mortality is crucial.
Purpose of the Study:
- To quantify the impact of physical activity on mortality in healthy individuals.
- To assess physical activity's predictive power for mortality, controlling for other risk factors.
- To determine if activity levels and laboratory risk scores independently predict mortality.
Main Methods:
- Utilized National Health and Nutrition Examination Survey (NHANES) data (1999-2014).
- Employed a proprietary algorithm (CRL SmartScore) for laboratory-based mortality risk scoring.
- Analyzed self-reported activity and pedometer data, excluding individuals with pre-existing health conditions.
Main Results:
- Lower physical activity levels (MET*hours/day) were associated with increased hazard ratios for mortality.
- Increased sedentary time, measured by pedometers, correlated with higher mortality risk.
- Both activity levels and laboratory risk scores remained significant independent predictors of mortality.
Conclusions:
- High proportions of sedentary time are clearly associated with increased mortality.
- Physical activity and laboratory risk scores represent distinct influences on mortality risk.
- Findings support the independent value of physical activity data in mortality risk assessment.
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