Brackenridge’s Medical Selection of Life Risks
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MEDICAL SELECTION of--
LIFE RISKS FIFTH EDITION EDITORS
DR R. D. C. BRACKENRIDGE DR RICHARD S. CROXSON DR ROSS MACKENZIE
BRACKENRIDGE'S
MEDICAL SELECTION of
LIFE RISKS FIFTH EDITION EDITORS
DR R. D. C. BRACKENRIDGE DR RICHARD S. CROXSON DR ROSS MACKENZIE
pa grave
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SwissRe I II
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© in editorial matter, selection and updates to Chapters 5, 10, 12, 19, 32, 34, 35, to editors, 2006
© in original version of Chapter 8, Palgrave Macmillan, 1998 © in all other chapters, Palgrave Macmillan, 2006
Softcover reprint of the hardcover 5th edition 2006978-0-230-00771-0 All rights reserved. No reproduction, copy or transmission of this publication may be made without written permission. No paragraph of this publication may be reproduced, copied or transmitted save with written permission or in accordance with the provisions of the Copyright, Designs and Patents Act 1988, or under the terms of any licence permitting limited copying issued by the Copyright Licensing Agency, 90 Tottenham Court Road, London W1T 4LP. Any person who does any unauthorised act in relation to this publication may be liable to criminal prosecution and civil claims for damages. The authors have asserted their rights to be identified as the authors of this work in accordance with the Copyright, Designs and Patents Act 1988. First published 2006 by PALGRAVE MACMILLAN Houndmills, Basingstoke, Hampshire RG21 6XS and 175 Fifth Avenue, New York, N. Y. 10010 Companies and representatives throughout the world PALGRAVE MACMILLAN is the global academic Imprint of the Palgrave Macmillan division of St. Martin's Press, LLC and of Palgrave Macmillan Ltd. Macmillan® is a registered trademark in the United States, United Kingdom and other countries. Palgrave is a registered trademark in the European Union and other countries. ISBN 978-1-349-56634-1 ISBN 978-1-349-56632-7 (eBook) DOI 10.1007/978-1-349-56632-7 This book is printed on paper suitable for recycling and made from fully managed and sustained forest sources. A catalogue record for this book is available from the British Library. A catalogue record for this book is available from the Library of Congress. 10 9 8 7 6 5 4 3 2 1 1S 14 13 12 11 10 09 08 07 06
CONTENTS Acknowledgements
viii
Preface
IX
The contributors
xi
Part I 1. A historical survey of the development of life assurance R D C Brackenridge
3
2.
Types of life and health insurance policies Peter Maynard
21
3.
Principles of risk selection and classification Harry A Woodman
33
4.
The application of life table methodology to risk appraisal Richard B Singer
45
5.
The rating of substandard lives Michael W Kita
71
International tables of mortality and expectations of life
88
6.
Underwriting genetic diseases J Alexander Lowden
99
7.
Older age underwriting Linda Goodwin
115
8.
Underwriting younger ages: pediatric mortality risk evaluation Patrick D Snow
133
9.
Principles of disability: benefits and underwriting· John LoCascio
145
10.
Long-term care underwriting Daniel C Elliott, Emilio Rubi
163
11.
Impaired li
