Navigation Links
Milliman Expert Addresses Practical Applications of Lifestyle-Based Analytics in Risk Selection

SEATTLE, Feb. 11 /PRNewswire/ -- In recent years, increasing attention has been paid to the role of Lifestyle-Based Analytics (LBA) in health insurance underwriting. In some instances, proponents of LBA made overly-optimistic claims about the use of consumer data as a predictor in the underwriting process. Milliman expert Jonathan Shreve, FSA, offers a fresh perspective on the appropriate and effective use of Lifestyle-Based Analytics as an advance in risk selection and classification.

Medical studies have shown that lifestyle characteristics and habits have a clear impact on disease prevalence. LBA uses information about lifestyle to enhance the risk classification system for relevant conditions. This information comes from data aggregators, which collect information from a variety of sources. Statistics, when properly interpreted, can enable underwriters to identify relationships between lifestyle information and prevalence of various diseases, which may result in a strong correlation with expected claims. Hence, LBA can help to differentiate high cost and low cost insurance plan members.

According to Jon Shreve, "For some of the correlations we have found, we believe there is a clear cause and effect - people who exercise more have fewer cardiovascular problems, and people who live alone have greater rates of depression. Sometimes, the lifestyle data may reflect the condition, rather than the other way around. People who are obese may be more apt to indicate that they are "walking for health" - not that walking causes obesity!"

LBA is increasingly viewed as a high-quality advance in the art of risk selection. It does not pick out specific individuals in a group who definitely have a condition, thus limiting its application in individual and disease management applications. Nonetheless, LBA does identify meaningful differences from one person to another and from one group to another in the likelihood of experiencing or developing adverse conditions. It now appears likely that LBA could be used in conjunction with other risk classification tools to produce underwriting results with a higher degree of accuracy.

Milliman's most recent white paper entitled "Lifestyle-Based Analytics: A Practical Guide" addresses what LBA can do and describes in concrete terms how companies can implement LBA for underwriting. Insights of the white paper include:
-- Details of integrating LBA with traditional underwriting

-- Conceptual evaluation of the methodology involved in building LBA


-- Further advances in risk selection

To request a copy of this informative white paper, please contact Jon Shreve at (303) 299-9400 or via email at

Milliman, whose corporate offices are in Seattle, serves the full spectrum of business, financial, government, and union organizations. Founded in 1947 as Milliman & Robertson, the company has 47 offices in principal cities in the United States and worldwide. Milliman employs more than 2,000 people, including a professional staff of more than 900 qualified consultants and actuaries. The firm has consulting practices in employee benefits, healthcare, life insurance/financial services, and property and casualty insurance. For further information visit

SOURCE Milliman
Copyright©2008 PR Newswire.
All rights reserved

Related medicine news :

1. Milliman Survey Confirms Continued Dominance of Guarantees in Variable Annuity Retirement Income Products
2. Umbilical cord clamping should be delayed, says expert
3. College Mental Health Expert and Sister of Student Who Died By Suicide Available to Discuss College Mental Health Issues
4. Expert on Emerging Infectious Zoonotic Diseases Joining K-State as a Regents Distinguished Professor
5. Research Links TV/Video Game Playing With Child Obesity; Health Experts Back a New Approach
6. AWWA, National Association of Water and Sanitation of Mexico, Agree to Share Expertise and Resources for Improved Water Supply
7. Euro RSCG Life Broadens X2 Expertise
9. Mayo Clinic to Pilot Collexis Expert Profiling
10. Health IT Event Draws Experts to the Pacific Northwest
11. Experts Sort Out Good Fats From Bad
Post Your Comments:
(Date:10/13/2015)... ... October 13, 2015 , ... ... Anik Singal's newly launched "Publish Academy" training course . Singal's new program, ... for enrollment today, and marketers around the Internet are weighing in with reviews. ...
(Date:10/13/2015)... ... 2015 , ... T-System and Centegra Health System, a prominent ... visits per year, today announced the successful and rapid deployment of EV™, an ... financial outcomes. , In less than four days, Centegra Hospitals McHenry ...
(Date:10/13/2015)... ... October 13, 2015 , ... Local Gold’s Gym franchise owner, Bryce Berry, received ... 26. Berry, who owns and operates Gold's Gym Cheyenne in Cheyenne, Wyoming, ... in the United States. A brand leader in global fitness, Gold’s Gyms are located ...
(Date:10/13/2015)... ... October 13, 2015 , ... ... developed valuable new strategies for enrolling and serving insurance consumers who do not ... health insurance and pay monthly premiums. In “Health Plan Engagement Strategies: The ABCs ...
(Date:10/13/2015)... ... October 13, 2015 , ... ... Debbie Vereb has been named the organization’s Executive Vice President of Operations, and ... hired to key leadership roles in the company. , Debbie Vereb’s appointment to ...
Breaking Medicine News(10 mins):
(Date:10/13/2015)...  Yesterday Congresswoman Renee Ellmers (R-NC-02) visited ... located in Holly Springs, NC . ... ® (Influenza Vaccine) using cell-culture technology, a state-of-the-art production ... is not reliant on chicken eggs. 1,2 On ... business of Novartis AG in the US, which for ...
(Date:10/13/2015)... -- XiMo AG ( Lucerne , ... Milpitas, California ) announced today the launch of ... of metathesis chemistry was highlighted by the Nobel Prize ... This industrially-relevant application has been utilized in the production ... and polymers. Georg Fráter , COO of ...
(Date:10/12/2015)... , October 13, 2015 the ... be operating in a non-clinical capacity. --> the ... be operating in a non-clinical capacity. --> The University ... completed installation of the first high field (1.5 Tesla) MRI-guided linear ... next year, the system will be operating in a non-clinical capacity. ...
Breaking Medicine Technology: