– Coronary Artery Disease

Risk Factors: Major coronary artery disease risk factors include tobacco use, hypertension, diabetes, obesity, physical inactivity, family history of coronary artery disease, and hyperlipidemia. The Legal & General America underwriting philosophy emphasizes the cholesterol/HDL ratio rather than total cholesterol in underwriting applicants without known heart disease due to its better predictive value. People with coronary … Read more

– Liver Enzyme Abnormalities

Characteristics The liver, which is located in the right upper abdominal cavity, is an actor that truly plays many roles in the stage of life. Just a partial list of the liver’s many functions includes the formation of plasma proteins, the breakdown of medications and harmful substances, conversion of glucose into the starch glycogen for … Read more

– Epilepsy

Epilepsy is categorized as being symptomatic or idiopathic: If the underlying cause of someone’s epilepsy is known, then it is called symptomatic. Some of the many possible causes of symptomatic epilepsy include structural brain abnormalities, brain trauma, stroke, tumors, and drug intoxication or withdrawal, including alcohol. A majority of cases of epilepsy are idiopathic, with … Read more

– Obstructive Sleep Apnea

Characteristics Obstructive sleep apnea (OSA) is a chronic condition characterized by repetitive partial or total collapse of the upper airway during sleep, resulting in partial or total breathing cessation. An apnea is complete cessation of breathing for at least ten seconds. A hypopnea is a partial cessation of breathing for at least ten seconds, accompanied … Read more

– Aortic Stenosis

Characteristics Aortic stenosis is a commonly seen condition in which the aortic valve has a smaller opening than usual. The left ventricle pumps blood through the aortic valve in order to deliver freshly oxygenated blood to the aorta for distribution throughout the body. Major causes of aortic stenosis are rheumatic heart disease, being born with … Read more

– Colorectal Cancer

CHARACTERISTICS: Colorectal cancer is the third most common type of nonskin cancer and the second leading cause of cancer related mortality in the United States when considering tumors that affect both genders. The lifetime risk of developing colorectal cancer in this country is over four percent. The overall incidence and mortality from colorectal cancer has … Read more

– Parkinson’s | Facts & Cases

Characteristics Parkinson’s Disease is a progressive degenerative disorder of the central nervous system named after the English physician, James Parkinson, who published the first detailed description of the disease in “An Essay on the Shaking Palsy” in 1817. It is best thought of as a condition that impairs movement. The disorder is characterized by resting … Read more

– Hypertension | Facts & Cases

Hypertension is more common than you think: Hypertension is common – 25 percent of adults in the world have it to some degree. About 90-95 percent is primary or “essential”, meaning the cause is not known or identifiable. This is usually what is seen in clinical practice and underwriting. The rest is secondary, and has … Read more

– Obesity | Facts & Cases

A Leading Cause of Preventable Death It seems that we are reminded on a daily basis about the obesity epidemic, a leading cause of preventable death that afflicts about one third of adults in the United States. Obesity has been increasing at a frightening rate, more than doubling in incidence during the past 30 years, … Read more