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2003 Swiss Re Blood Pressure Study of Insured Lives

C. Allen Pinkham, Brian Ivanovic and Marianne Cumming

North American Actuarial Journal, 2005, vol. 9, issue 2, 1-16

Abstract: Blood pressure, one of the most important mortality risk factors, is a common life insurance underwriting tool for classification of preferred, standard, and substandard risks. In order to assess changes in mortality risk associated with blood pressure since the last major intercompany study, Swiss Re’s Research & Development and Medical Departments conducted a longitudinal study of blood pressure readings collected at the time of policy issue. Mortality risk associated with different blood pressure levels on nearly 300,000 life insurance policies issued without any other ratable impairments was evaluated. The study cohort was formed by policies issued from 1975 through 2001, which generated over 8,600 claims within the study period. Univariate and bivariate blood pressure mortality results are shown along with results for other key covariates (sex, smoking status, issue year period, policy duration, and cardiovascular family history) for a subset of the cohort that had blood pressure readings of 120/80 mm Hg or lower.

Date: 2005
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DOI: 10.1080/10920277.2005.10596194

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