A conditional model predicting the 10-year annual extra mortality risk compared to the general population: a large population-based study in Dutch breast cancer patients.

Objective: Many cancer survivors are facing difficulties in getting a life insurance; raised premiums and declinatures are common. We generated a prediction model estimating the conditional extra mortality risk of breast cancer patients in the Netherlands. This model can be used by life insurers to accurately estimate the additional risk of an individual patient, conditional on the years survived.

Age dependent decline of relative risks in life insurance medical underwriting.

Unlabelled: INTRODUCTORY: Life insurance medicine focuses on mortality hazards. People are free to insure themselves for small or large amounts and for short or long-terms. This freedom makes it necessary for life insurers to assess and select the mortality risks in a medical underwriting process.

Time Dependent Relative Risks in Life Insurance Medical Underwriting.

Introduction .- Life insurance medicine focuses on mortality hazards in specified periods. People are free to insure their lives for shorter or longer terms.

Suitability of HIV-Infected Subjects for Insurance.

Objectives .- To ascertain the suitability of HIV-positive individuals for insurance coverage based on international data and practices. Background .

Fracastoro and the prognosis of applicants with HIV.

Objectives: Discuss the relevance of the study "Trends in mortality of insurance applicants with HIV infection" by highlighting the key elements for underwriting HIV-positive life insurance applicants.

Methods: Discussion on the basis of a comparison of HIV with syphilis, as presented by Giralmo Fracastoro; and by comparing HIV prevalence in applicants and the background population.

Results: As with syphilis, adherence to therapy is a key element; different from syphilis is the importance of co-morbidity.