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A common misconception is that any cancer history automatically makes an applicant uninsurable. Advances in breast cancer research, treatment and awareness have produced considerably more survivors who are now thriving and winning the battle. More good news – the opportunity for breast cancer survivors to secure life insurance has become more achievable than ever before. Viewpoints from Tom Dignan The insurance underwriting process is all about risk assessment and gathering the necessary medical information. Applicants are reviewed on a case-by-case basis since each breast cancer case is unique. Underwriters consider several aspects to determine mortality risk, such as family …

The return on investment (ROI) for wellness programs is an important discussion to have – some research suggests wellness screenings and preventive care correlate to lower employer healthcare costs overall. Though very few employers measure a financial ROI, it’s understandable that finances are a concern. The U.S. Centers for Disease Control and Prevention (CDC) estimated that eliminating three risk factors – poor diet, inactivity and smoking – would prevent 80% of heart disease and stroke, and 80% of type 2 diabetes. These health risk factors are the precursors to a variety of chronic diseases, disorders and premature deaths, which now contribute …

… Poll them through short surveys, focus groups, and one-on-one conversations. Ask questions about what sources of information they use when they want to learn more about a health topic. Do they reach out to a health professional or search online? Combine this information with other data from health risk assessments, claims utilization reports, and health risk migration reports. Utilizing all of this data allows us to understand employees’ awareness of health risks, where they turn for education and how successful they are at maintaining behavior change. Allow Employees to Choose Their Path. Employees should be able to choose …