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A Model for Coronary Heart Disease and Stroke with Applications to Critical Illness Insurance Underwriting I: The Model

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  • Angus Macdonald
  • Howard Waters
  • Chessman Wekwete

Abstract

In Part I we construct a model for the development of coronary heart disease (CHD) or stroke that either incorporates, or includes pathways through, the major risk factors of interest when underwriting for critical illness insurance. Our main purpose is to develop a model that could be used to assess the impact on insurance underwriting of genetic information relevant to CHD and/or stroke. Our model is parameterized using data from the Framingham Heart Study in the United States. In Part II we extend this model to include other critical illnesses, for example, cancers and kidney failure, and describe some applications of the model.

Suggested Citation

  • Angus Macdonald & Howard Waters & Chessman Wekwete, 2005. "A Model for Coronary Heart Disease and Stroke with Applications to Critical Illness Insurance Underwriting I: The Model," North American Actuarial Journal, Taylor & Francis Journals, vol. 9(1), pages 13-40.
    • Handle: RePEc:taf:uaajxx:v:9:y:2005:i:1:p:13-40
    DOI: 10.1080/10920277.2005.10596182
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    Cited by:

    1. Lu, Li & Macdonald, Angus & Wekwete, Chessman, 2008. "Premium rates based on genetic studies: How reliable are they," Insurance: Mathematics and Economics, Elsevier, vol. 42(1), pages 319-331, February.
    2. Kwon, Hyuk-Sung & Jones, Bruce L., 2006. "The impact of the determinants of mortality on life insurance and annuities," Insurance: Mathematics and Economics, Elsevier, vol. 38(2), pages 271-288, April.
    3. Kwon, Hyuk-Sung & Jones, Bruce L., 2008. "Applications of a multi-state risk factor/mortality model in life insurance," Insurance: Mathematics and Economics, Elsevier, vol. 43(3), pages 394-402, December.

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