By Mark A. Rothstein
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Extra info for Genetics and Life Insurance: Medical Underwriting and Social Policy (Basic Bioethics)
Sample text
Improvements in medicine, job safety, and public health make possible issuance of coverage at standard and preferred rates previously not possible. Similarly, sale of extra-risk policies, issued to individuals in poor health or hazardous occupations at higher than standard premiums, make it possible for some people to obtain coverage they could not have purchased in the past. The Insurer Perspective 29 The Risk Classification Process The process of risk classification serves insurers, policy holders, and applicants for coverage (or proposed insureds) by perpetuating financial soundness and fairness.
Average persons this age are expected to live another fifty years, but this thirty-year-old will probably die in half that time. This difference in expected life span clearly is material to actuarial assessment. Many inherited diseases are caused by a complex interaction of multiple genes and environmental factors. Coronary artery disease is a good example. If individuals inherit alleles that predispose them to high cholesterol and hypertension, they are predisposed to prematurely developing serious coronary disease, although they may or may not become ill.
Credit insurance guarantees payment of some form of credit, such as a mortgage or other loan, in the event the insured person dies. It can be bought on either an individual or group basis. 28 Roberta B. Meyer Individual life insurance is the most widely purchased form of protection. It is typically purchased through agents and issued through policies with face amounts of at least $1,000, although larger minimum amounts are common in today’s market. Individual policies are principally used for family protection, but also for business purposes.