(I have a background in life insurance underwriting. I used to see a lot of case profiles of women on HRT. Really popular about 15 years ago. Not so much in the last few years. I think part of it is the number of boomer women in that age group vs. the number of Gen X women is significantly different, but also because of the cancer issues that have come to light. )
Wow. Thank you so much. Really does give a good basis for the push of Hormone therapy for all kids if they want to create a perpetually sick and diseased population.
Saw an article in a trade journal this week that a number of the major insurers have said NOT having a vaccine would not be an impediment to getting coverage - no rating, etc. If you do have CV however (and this has been true since the beginning and would be normal if you had some other issue going on), they want to wait until you have recovered.
Once a policy is issued and you are past the two year contestibility period that is in all contracts, the policy pays out regardless of cause of death. The two year period is combined with the suicide contestibility time-frame - they don't want you taking out a policy with um, plans. But it is also to make sure you did not take out the policy and knowingly hid something - new cancer diagnosis, etc.
One thing: if you have a lapse in coverage - late bill, etc. - technically the contestibility period begins again, so try to avoid lapsing. With CV, they extended the grace periods, but better not too fool around.
As far as complications from the vaccine, at this point, they would rate the complications- not the fact you were vaccinated. The myocarditis may have arisen due to the vaccine, but at this point, they are going to underwrite the myocarditis. While eventually, if they can show significant statistical proof linking the two (underwriting medicine is about risks within populations, unlike clinicalmedicinewhich is focused on the individual), I see it becoming a question as part of the profile to assess the mortality - it would be akin to asking questions about family history, BP, cholesterol, etc. The more of these issues you have, the greater likelihood you will have a serious event and thus you rate accordingly.
Thank you for the very thorough and insightful explanation. Much easier to understand and without the hyperbole generally associated with "breaking news" on this site.
There have been studies showing a correlation of HRT and increased breast cancer. More so if the HRT is combined progesterone and estrogen.
https://innerself.com/living/health/21289-here-s-what-you-need-to-know-about-menopausal-hormone-therapy-and-cancer-risk.html
(I have a background in life insurance underwriting. I used to see a lot of case profiles of women on HRT. Really popular about 15 years ago. Not so much in the last few years. I think part of it is the number of boomer women in that age group vs. the number of Gen X women is significantly different, but also because of the cancer issues that have come to light. )
Wow. Thank you so much. Really does give a good basis for the push of Hormone therapy for all kids if they want to create a perpetually sick and diseased population.
Another question as you have underwriting experience. What is your thoughts on covid vaccine preventing life insurance payouts?
Saw an article in a trade journal this week that a number of the major insurers have said NOT having a vaccine would not be an impediment to getting coverage - no rating, etc. If you do have CV however (and this has been true since the beginning and would be normal if you had some other issue going on), they want to wait until you have recovered.
Once a policy is issued and you are past the two year contestibility period that is in all contracts, the policy pays out regardless of cause of death. The two year period is combined with the suicide contestibility time-frame - they don't want you taking out a policy with um, plans. But it is also to make sure you did not take out the policy and knowingly hid something - new cancer diagnosis, etc.
One thing: if you have a lapse in coverage - late bill, etc. - technically the contestibility period begins again, so try to avoid lapsing. With CV, they extended the grace periods, but better not too fool around.
As far as complications from the vaccine, at this point, they would rate the complications- not the fact you were vaccinated. The myocarditis may have arisen due to the vaccine, but at this point, they are going to underwrite the myocarditis. While eventually, if they can show significant statistical proof linking the two (underwriting medicine is about risks within populations, unlike clinicalmedicinewhich is focused on the individual), I see it becoming a question as part of the profile to assess the mortality - it would be akin to asking questions about family history, BP, cholesterol, etc. The more of these issues you have, the greater likelihood you will have a serious event and thus you rate accordingly.
Thank you for the very thorough and insightful explanation. Much easier to understand and without the hyperbole generally associated with "breaking news" on this site.