The Effect of Medical Advances on Insurance ... - Actuary.com
The Effect of Medical Advances on Insurance ... - Actuary.com
The Effect of Medical Advances on Insurance ... - Actuary.com
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Comm<strong>on</strong> Complex Diseases<br />
• No clear Mendelian pattern <str<strong>on</strong>g>of</str<strong>on</strong>g> inheritance (not<br />
directly predictable)<br />
• Genetic and envir<strong>on</strong>mental c<strong>on</strong>tributi<strong>on</strong>s likely<br />
• Variable penetrance/expressi<strong>on</strong><br />
• Occurrence <str<strong>on</strong>g>of</str<strong>on</strong>g> protective and susceptibility genes<br />
• Familial aggregati<strong>on</strong>s may be seen<br />
• Includes most <str<strong>on</strong>g>of</str<strong>on</strong>g> the <strong>com</strong>m<strong>on</strong> diseases we<br />
underwrite:<br />
CVD, CA, Schizophrenia, DM, HCVD, AD,<br />
CVA, obesity,….
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