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Bipolar Disorders: Converting Years of Life Lost to Mortality Ratios

John R Iacovino

    Journal of Insurance Medicine (New York, N.Y.)
    |February 25, 2026
    PubMed

    Insights

    This study explores converting years of potential life lost (YPLL) into mortality ratios for bipolar disorder (BPD) risk assessment. It aims to improve medical underwriting accuracy for individuals with BPD.

    Area of Science:

    • Psychiatry
    • Medical Underwriting
    • Biostatistics

    Background:

    • Bipolar disorder (BPD) significantly impacts life expectancy.
    • Years of Potential Life Lost (YPLL) is a metric used in some insurance contexts.
    • YPLL is not directly applicable to life insurance underwriting, which relies on mortality ratios.

    Purpose of the Study:

    • To review YPLL and life expectancy in bipolar disorders.
    • To discuss a method for converting YPLL into mortality ratios.
    • To establish appropriate debits for medical risk underwriting of BPD.

    Main Methods:

    • Review of existing literature on YPLL and life expectancy in BPD.
    • Development of a conversion methodology from YPLL to mortality ratios.
    • Application of the methodology to determine underwriting debits for BPD.

    Main Results:

    • A method to translate YPLL into mortality ratios for BPD is presented.
    • The study outlines how to derive underwriting debits from these mortality ratios.
    • This facilitates more accurate risk assessment in life insurance.

    Conclusions:

    • The proposed method enhances the medical risk underwriting process for BPD.
    • Accurate conversion of YPLL to mortality ratios improves insurance assessments.
    • This research provides a framework for better financial and medical evaluations for BPD patients.

    Keywords:
    Bipolar disorderlife insurance underwritingmortalityyears of potential life lost (YPLL)

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