Life Insurance for Insulin-dependent Diabetics

Henrik Ramlau-Hansen; Niels Chr Bang Jespersen; Per Kragh Andersen; Knut Borch-Johnsen; Torsten Deckert

doi:10.1080/03461238.1987.10413814

Life Insurance for Insulin-dependent Diabetics

Henrik Ramlau-Hansen
, Niels Chr Bang Jespersen
, Per Kragh Andersen
, Knut Borch-Johnsen
, Torsten Deckert

Research output: Contribution to journal › Article › Research › peer-review

Abstract

This paper presents a study of the mortality of insulin-dependent diabetics diagnosed before age 31. The analysis includes the effect of various covariates on the mortality and on the risk of developing diabetic nephropathy, a serious renal complication associated with diabetes. The results show that it is the risk of developing nephropathy combined with very high mortality rates of patients with nephropathy which are the main reasons for the excess mortality usually experienced among insulin-dependent diabetics. The results are used to provide examples of the cost of individual life and group life insurance for diabetics who, at the time of issue of insurance, show no sign of diabetic nephropathy.

Original language	English
Pages (from-to)	19-36
Number of pages	18
Journal	Scandinavian Actuarial Journal
Volume	1987
Issue number	1-2
DOIs	https://doi.org/10.1080/03461238.1987.10413814
Publication status	Published - 1 Jan 1987

Funding

The Danish Diabetes Association and the Association of Danish Life Offices have provided economic support for this study. Knut Borch-Johnsen received a research fellowship from Nordisk Insulin-laboratorium. Part of the work was done while Henrik Ramlau-Hansen, supported by the Danish Natural Science Research Council, visited Department of Statistics and Actuarial Science, University of Waterloo.

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10.1080/03461238.1987.10413814

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title = "Life Insurance for Insulin-dependent Diabetics",

abstract = "This paper presents a study of the mortality of insulin-dependent diabetics diagnosed before age 31. The analysis includes the effect of various covariates on the mortality and on the risk of developing diabetic nephropathy, a serious renal complication associated with diabetes. The results show that it is the risk of developing nephropathy combined with very high mortality rates of patients with nephropathy which are the main reasons for the excess mortality usually experienced among insulin-dependent diabetics. The results are used to provide examples of the cost of individual life and group life insurance for diabetics who, at the time of issue of insurance, show no sign of diabetic nephropathy.",

author = "Henrik Ramlau-Hansen and Jespersen, \{Niels Chr Bang\} and Andersen, \{Per Kragh\} and Knut Borch-Johnsen and Torsten Deckert",

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AU - Ramlau-Hansen, Henrik

AU - Jespersen, Niels Chr Bang

AU - Andersen, Per Kragh

AU - Borch-Johnsen, Knut

AU - Deckert, Torsten

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Y1 - 1987/1/1

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AB - This paper presents a study of the mortality of insulin-dependent diabetics diagnosed before age 31. The analysis includes the effect of various covariates on the mortality and on the risk of developing diabetic nephropathy, a serious renal complication associated with diabetes. The results show that it is the risk of developing nephropathy combined with very high mortality rates of patients with nephropathy which are the main reasons for the excess mortality usually experienced among insulin-dependent diabetics. The results are used to provide examples of the cost of individual life and group life insurance for diabetics who, at the time of issue of insurance, show no sign of diabetic nephropathy.

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JO - Scandinavian Actuarial Journal

JF - Scandinavian Actuarial Journal

IS - 1-2

ER -

Life Insurance for Insulin-dependent Diabetics

Abstract

Funding

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