– 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

– Abdominal Aortic Aneurysm

CHARACTERISTICS: The aorta is the major artery that supplies oxygenated blood throughout the body. The section of the aorta that traverses the abdominal area is called the abdominal aorta. The abdominal aorta is normally about 2 cm in diameter, and if the abdominal aorta is dilated to greater than 3 cm, it is termed an … 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

– 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