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Medical Underwriting

​The Insurance Implications of Traumatic Brain Injury

TBI 1


Traumatic brain injuries (TBI) affect millions of American families each year. There are approximately 1.7 million cases in the U.S. annually and everyone of any age is exposed to risk. 
People who experience TBI have increased mortality and morbidity. This article explores why TBI may be a consideration for many insurance products today.

 
Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (www.ontherisk.com).
 

Download "​The Insurance Implications of Traumatic Brain Injury"

The Authors

  • Julianne Callaway
    FSA, ACAS, MAAA
    Strategic Research Actuary
    Global Research and Data Analytics
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  • Michael Hill
    FALU, FLMI, ARA, ACS
    Director, Underwriting
    RGA
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Summary

This report analyzes TBI trends, which may be a consideration for many life, accidental death, disability, critical illness and long-term care products.
Download "​The Insurance Implications of Traumatic Brain Injury"
  • accident experience
  • TBI
  • Traumatic Brain Injury
  • avocation
  • driver distraction
  • mortality experience
  • mortality assumptions
  • mortality trends
  • motor vehicle records
  • TBI morbidity
  • traffic fatality
  • morbidity