Journal of insurance medicine (New York, N.Y.)最新文献

GitHub and Google Colab for Sharing Data and Code. GitHub和谷歌Colab共享数据和代码。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-4.1A

David Wesley

引用次数: 0

When Is a Test "Genetic?" The Case of Multi-Cancer Early Detection Tests. 什么时候测试是“遗传的”？多癌早期检测试验案例

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-4.1B

Timothy Meagher

引用次数: 0

Coronary Artery Calcium Score - Practical Considerations for Underwriting. 冠状动脉钙评分-承保的实际考虑。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-7.1A

Emoke Posan

引用次数: 0

Creating Evidence-Based Ratings and Life Expectancies Medical Impairments. 创建基于证据的评分和预期寿命医疗损伤。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-4.1

John R Iacovino

引用次数: 0

The Smoking Dilemma: A Technical Deep Dive. 吸烟的困境：技术上的深入研究。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-13.1

Natalia Reyes-Cancino, Elyssa Del Valle, Asha Sapre, José Chedid

{"title":"The Smoking Dilemma: A Technical Deep Dive.","authors":"Natalia Reyes-Cancino, Elyssa Del Valle, Asha Sapre, José Chedid","doi":"10.17849/insm-53-2-1-13.1","DOIUrl":"10.17849/insm-53-2-1-13.1","url":null,"abstract":"Traditional cigarette smoking has declined markedly over recent decades due to increased health awareness, regulatory action, and public health campaigns. At the same time, alternative nicotine products, particularly e-cigarettes and oral nicotine pouches, have gained popularity, especially in the United States and Europe and among younger populations. While cigarettes remain the most widely used tobacco product globally, tobacco and nicotine consumption now spans a broad range of combustible and non-combustible products, with smokeless tobacco predominating in some regions. Definitions of a \"smoker\" vary significantly between clinical practice and insurance medicine. Clinical definitions are nuanced and health-focused, whereas insurance classifications are typically binary and time-bound, often defining a smoker as anyone who has used a nicotine-containing product within the past 12 months. The growing use of alternative nicotine products, alongside evolving cannabis legislation, has exposed limitations in traditional definitions when it comes to accurately capturing associated risk. The expansion of alternative nicotine products challenges traditional smoker classifications used in insurance underwriting. While combustible tobacco remains the highest risk exposure, growing evidence supports the existence of a heterogeneous medium risk group associated with nicotine, noncombustible products. Although generally lower risk than cigarettes, these products are not risk-free, particularly considering early cardiovascular and metabolic effects, dual or poly-use patterns, and growing uptake at younger ages. For insurers, this evolving landscape highlights the benefit of a more nuanced underwriting approach, including enhanced disclosure of product type and use patterns, improved verification strategies, and potential pricing differentiation that better aligns risk with exposure.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"53 2","pages":"135-147"},"PeriodicalIF":0.0,"publicationDate":"2026-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148266468","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Problems Using Body Mass Index (BMI) to Assess Mortality. 使用身体质量指数（BMI）评估死亡率的问题。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-5.1A

Rodney C Richie

引用次数: 0

Prostate Cancer - 20-Year Comparative Mortality and Survival Analysis by Age, Race/Ethnicity, Stage, Grade, Disease Duration and Cohort Entry Period: A Systematic Review of 648,114 cases for Diagnosis Years 1975-2022. 前列腺癌——按年龄、种族/民族、分期、分级、病程和队列进入期划分的20年死亡率和生存率比较分析：1975-2022年诊断年份648114例病例的系统回顾

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-34.1

Anthony F Milano

引用次数: 0

Hazard Ratio to Life Expectancy: Gompertz-Makeham Validation of Emerging Risk Factors Collaboration Cardiometabolic Multimorbidity Tables. 预期寿命的风险比：Gompertz-Makeham对新出现的危险因素协作的心脏代谢多病表的验证。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-7.1B

Bernard Silke

{"title":"Hazard Ratio to Life Expectancy: Gompertz-Makeham Validation of Emerging Risk Factors Collaboration Cardiometabolic Multimorbidity Tables.","authors":"Bernard Silke","doi":"10.17849/insm-53-2-1-7.1B","DOIUrl":"10.17849/insm-53-2-1-7.1B","url":null,"abstract":"Objective.—: To validate Emerging Risk Factors Collaboration (ERFC) high-risk cardiometabolic life years lost (LYL) tables using Gompertz-Makeham calibrated to hazard ratios, offering a reproducible framework for insurance underwriting and medico-legal life expectancy projections.Methods.—: ERFC LYL tables (91 cohorts; 689,300 participants; HR≥5) benchmarked against Irish Life Tables No. 17 via constant HR∼9.5 multiplier. Gompertz-Makeham generated risk-group survival curves; LYL as baseline-risk differential ages 40-85. Model performance via mean absolute error (MAE).Results.—: Gompertz-Makeham reproduced ERFC high-risk LYL (males MAE 1.21 years; females 1.16 years across 40-85), preserving empirical S-curve without disease-specific adjustments (Table 2; Figures 1-3). Age 40 loses, 20-22 years; age 75, 5-6 years.Conclusions.—: HR-calibrated Gompertz-Makeham provides aetiology-independent LYL estimates within 1 - 2 years mean absolute error (MAE), extending Strauss/Shavelle disability models to multimorbidity for actuarial risk assessment and forensic reports.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"53 2","pages":"203-209"},"PeriodicalIF":0.0,"publicationDate":"2026-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148266421","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Disability Risk for Male Professional Soccer Players: A Question of Age? A New Method Based on Transfermarkt®'s Collaborative Data. 男性职业足球运动员的残疾风险：年龄的问题？基于Transfermarkt®协同数据的新方法。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-7.1C

Antoine Moll, Denis Charles, Zeynep Kaya, Manuel Plisson, Julien Tomas, Irene Merk, Viet Chi Tran, Thierry Jeantheau, Pierre Sabouret

{"title":"Disability Risk for Male Professional Soccer Players: A Question of Age? A New Method Based on Transfermarkt®'s Collaborative Data.","authors":"Antoine Moll, Denis Charles, Zeynep Kaya, Manuel Plisson, Julien Tomas, Irene Merk, Viet Chi Tran, Thierry Jeantheau, Pierre Sabouret","doi":"10.17849/insm-53-2-1-7.1C","DOIUrl":"10.17849/insm-53-2-1-7.1C","url":null,"abstract":"The soccer industry generates billions in revenue, largely from matchday sales, commercial activities, and television rights. A significant portion of club revenues are spent on player wages making their availability for games and training economically vital. Any period of injury-related absence functions as a form of temporary disability, creating significant financial exposure for teams, insurers, and reinsurers. Preventing injuries is crucial for soccer clubs to mitigate financial and sports risks associated with player unavailability. Transfermarkt® database has been utilized to develop an accurate method to estimate the incidence of injuries among male soccer players. To propose the most appropriate preventive measures, medical teams of soccer clubs should consider other risk factors than age, such as the history of injuries and the player's position in the field. This new model offers a practical framework for insurers, reinsurers, and club medical teams to better quantify disability risk, refine prevention strategies, and improve the prediction of injury-related downtime.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"53 2","pages":"210-216"},"PeriodicalIF":0.0,"publicationDate":"2026-06-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"148266461","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

GLP-1 Therapies and Mortality Risk: Implications for Life Insurers. GLP-1治疗和死亡风险：对寿险公司的启示。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2026-06-15 DOI: 10.17849/insm-53-2-1-7.1

Gina C Guzman, Tristan Walsh

引用次数: 0