Katalog GES



Cholesterol Screening And Life Assurance

Objectives—To examine how insurance companies assess proposals for life assurance from applicants with raised cholesterol concentrations and to determine the excess mortality rating applied. Design—Survey of 49 companies underwriting term life assurance. Setting—United Kingdom.... Full description

1st Person: Neil, H. A. W.
Additional Persons: Mant, D.
Source: in BMJ: British Medical Journal Vol. 302, No. 6781 (1991), p. 891-893
More Articles
Type of Publication: Article
Language: English
Published: 1991
Online: Volltext
  Search for full text
LEADER 02791nma a2200301 c 4500
001 JST014010038
003 DE-601
005 20180606211536.0
007 cr uuu---uuuuu
008 150323s1991 000 0 eng d
024 8 |a 29711112 
035 |a 29711112 
040 |b ger  |c GBVCP 
041 0 |a eng 
100 1 |a Neil, H. A. W. 
245 1 0 |a Cholesterol Screening And Life Assurance  |h Elektronische Ressource 
300 |a Online-Ressource 
500 |a Copyright: Copyright 1991 British Medical Journal 
520 |a Objectives—To examine how insurance companies assess proposals for life assurance from applicants with raised cholesterol concentrations and to determine the excess mortality rating applied. Design—Survey of 49 companies underwriting term life assurance. Setting—United Kingdom. Subjects—Four fictional men aged 30 seeking 20 year term policies paying benefit only on death. Two had total cholesterol concentrations of 6.4 and 8.1 mmol/l but no other cardiovascular risk factors; one was overweight, hypertensive, smoked 20 cigarettes daily, and had a total cholesterol concentration of 8.1 mmol/l; and one had possible familial hypercholesterolaemia and a total cholesterol concentration of 10.7 mmol/l after treatment. Main outcome measure—Percentage excess mortality rating. Results—All companies used explicit criteria to assess the mortality risk associated with hyperlipidaemias, and 47 companies applied the same criteria to men and women. No excess mortality rating was imposed on an applicant with a total cholesterol concentration of 6.4 mmol/l, but a small excess was applied to an applicant with a concentration of 8.1 mmol/l (median excess 50%, range 0-75%). When multiple cardiovascular risk factors were present the same concentration of 8.1 mmol/l resulted in a substantial excess (median 135%, range 50-200%). A smaller but more variable excess was applied to an applicant with possible familial hypercholesterolaemia (median 75%, range 0-200%). Conclusions—Despite considerable differences among companies in the excess mortality ratings applied, increases in term life assurance premiums are likely to be restricted to patients with severe hypercholesterolaemia, in particular those with familial hypercholesterolaemia. In the absence of other cardiovascular risk factors milder hypercholesterolaemia is unlikely to result in higher premiums. 
611 2 7 |a research-article  |2 gnd 
689 0 0 |A f  |a research-article 
689 0 |5 DE-601 
700 1 |a Mant, D. 
773 0 8 |i in  |t BMJ: British Medical Journal  |g Vol. 302, No. 6781 (1991), p. 891-893  |q 302:6781<891-893  |w (DE-601)JST013472216  |x 1756-1833 
856 4 1 |u https://www.jstor.org/stable/29711112  |3 Volltext 
912 |a GBV_JSTOR 
951 |a AR 
952 |d 302  |j 1991  |e 6781  |h 891-893 

Similar Items

Cannot find similar records

Library Services

Search Options

Quick links

Orientation