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  • January 2023
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Cystic Fibrosis - Hope for a Brighter Future

Cystic Fibrosis
In Brief
In the past few decades, groundbreaking advances have emerged in early diagnosis, treatment, and management of cystic fibrosis (CF), and those with the condition are now living to age 60 and beyond. Why, then, are life insurance companies not yet offering terms to those living with CF?

In the past few decades, groundbreaking advances have emerged in early diagnosis, treatment, and management of CF, and those with the condition are now living to age 60 and beyond.1 Why, then, are life insurance companies not yet offering terms to those living with CF?

This article examines the improvement in CF life expectancy and survival, and why insurers might want to consider offering persons with CF limited term life cover.

What is CF?

Cystic fibrosis (CF) is an autosomal recessive genetic disorder. Two carriers of a faulty cystic fibrosis transmembrane conductance regulator (CFTR) gene have a 25% chance of having a child with the disorder.2 Research indicates that about one in 25 people carry a faulty CFTR gene.3

The CFTR gene produces the CFTR protein, which is responsible for producing sweat, mucus, saliva, tears, and some digestive enzymes. It also regulates the flow of water and chloride between intracellular and extracellular fluid. When the CFTR protein is not produced or produced in insufficient amounts, it results in the buildup of thick sticky mucus, which impairs the function of the sweat glands, lungs, pancreas, and digestive and reproductive systems.1

To date, more than 2,000 mutations have been identified in the CFTR gene, with F508del being the most common. Persons inheriting the same genetic mutation from each parent are said to be homozygous, but someone who inherits two different genetic mutations is said to be heterozygous.4 Some mutations cause more severe forms of the disease than others.

CF is classified into seven different categories based on the patient’s level of functional impairment.

  • Class I to III: severe phenotype, i.e., little to no CFTR function

  • Class IV to VII: less severe phenotype, i.e., residual CFTR function 5

Incidence and Prevalence

Approximately 90,000 people worldwide currently live with CF, 30,000 in the U.S. and 50,000 in Europe.1, 6 Its prevalence is 7.97 and 7.37 per 100,000 population in the U.S. and in E.U. countries, respectively. About one in every 2,000 to 3,000 babies is diagnosed with CF, and incidence rates are around 1,000 new cases each year. Incidence varies significantly around the world, most likely due to genetic drift.5, 7, 8


When CF is suspected in a newborn, a sweat test is carried out between the ages of two days and four weeks to analyze chloride concentration. Sweat chloride testing is now done in conjunction with newborn screening (NBS) tests, which are usually conducted during the first week of life. The test analyzes dried blood spots for immunoreactive trypsinogen, as elevated levels of this digestive enzyme are indicative of CF.7, 9

Sweat chloride concentrations of >60 mmol/L (millimoles per liter) are highly indicative of CF. Those infants with little or no CFTR function generally have very high sweat test results (>90 mmol/L) and are more likely to require pancreatic enzyme replacement therapy.2, 7 If the result ranges from 30 to 59 mmol/L, the sweat test is usually repeated.

Surprisingly, most babies identified with CF are born to parents with no known family history of the disease.

NBS tests can also identify heterozygote carriers of CF or babies with moderately raised sweat chloride levels. Referred to as Cystic Fibrosis Screen Positive, Inconclusive Diagnosis or Cystic Fibrosis Transmembrane Conductance Regulator-Related Metabolic Syndrome (CFSPID/CRMS), individuals with this syndrome are at substantial risk of developing full CF, with studies showing that 10% to 44% of those initially identified as CFSPID/CRMS convert to CF.

Prenatal diagnostic testing can also be conducted, using fetal DNA isolated from chorionic villus sampling or from amniotic fluid cells. Ultrasound screening can also be used at 17 to 22 weeks of gestation to identify instances of fetal echogenic bowel. More recently, a CFTR test has been introduced that uses the cell-free fetal DNA (cffDNA) found in maternal blood to assess fetal CFTR variant status.7

Life Expectancy, Survival, Mortality

Prior to the 1950s, children with CF rarely lived past age five. By the 1960s, average life expectancy had increased to age 15, and by the 1980s had risen to age 31.10 More than half of the babies born in 2018 and half of people living with CF age 30 and older in 2018 will most likely live into their 50s. This compares with a median predicted survival age of approximately 30 years for those born between 1989 and 1993, a massive leap of 20 years.1, 4 At the same time, annual mortality per 100 persons for CF patients in the U.S. decreased by 50% in just ten years, from 1.6% in 2010 to 0.8% in 2020.

Figure 4:
U.S. annual mortality rate (per 100 people with CF), 1990-2020
Reflections_Cystic Fibrosis_Figure 4

Source: Cystic Fibrosis Foundation Patient Registry.

U.K. data shows that for those with CF born today, predicted survival is 50.6 years, and that currently more than 145 people in the U.K. who are living with CF are older than age 60.9 Predicted survival with CF at two, five, and ten years in the U.K. has been calculated at 87.3%, 84.4%, and 80.5%, respectively.6 This compares with a U.K. HIV survival rate in one 30-year national study of 85%, 77%, and 67% at two, five, and 10 years, respectively.11

A 2018 study by Keogh, et al. of 2011-2015 data from the U.K.’s CF registry showed a reduction in mortality rates in the country of about 2% each year, corresponding to a 10-year decrease of 21%. If this decreasing mortality trend continues, children in the U.K. today born with CF should live to age 65 for males and age 56 for females, corresponding to an increase in median survival age of 20 years for males and 15 for females.12

At RGA, we are eager to engage with clients to better understand and tackle the industry’s most pressing challenges together. Contact us to discuss and to learn more about RGA's capabilities, resources, and solutions.



Since the discovery of the CFTR gene in 1989, researchers have been working on developing targeted drug therapies to improve the function of abnormal CFTR proteins.5 In 2014, about 7% of the CF population were eligible for CFTR drug modulator therapy but today, over 80% of patients with CF are eligible for this form of treatment.4

In 1993, the U.S. Food and Drug Administration (FDA) approved dornase alfa (Pulmozyme), the first drug modulator for CF, which has significantly improved patient outcomes in the past 25 years.8

In 2012, ivacaftor (Kalydeco) was released. Trials showed that using ivacaftor, the average increase in percent predicted forced expiratory volume in one second (ppFEV1) in spirometry tests was approximately 10%, and that pulmonary exacerbations decreased by about 50%. The FDA then approved ivacaftor in combination with lumacaftor (Orkambi) in 2015, a combination therapy designed for F508del homozygous CF patients. Estimates show that this treatment could increase the median survival age by 6.1 years, but if treatment is started by age six, it could lead to an increase of 17.7 years. A second combination treatment, ivacaftor and tezacaftor (Symdeko), was approved in 2018.5, 8

In 2019, the FDA approved the combination treatment ivacaftor, tezacaftor, and elexacaftor (Trikafta), and the European Medicines Agency (EMA) subsequently approved it in 2020. Trikafta is designed for use in patients ages six and older who have at least one copy of the F508del mutation.13 It has been shown to reduce CF exacerbations as well as everyday symptoms of disease, improve lung function (increased percent predicted forced expiratory volume in one second [ppFEV1]) by 14.3%, and decrease sweat chloride levels with less than six months of treatment.8 However, approximately 10% of CF patients do not have the F508del mutation and are therefore ineligible to receive this treatment.1

Risk Considerations and Non-Pulmonary Complications

Insurers must consider many factors before CF cover can be a viable option. Respiratory conditions such as asthma, bronchiectasis, and chronic lung impairment caused by bacterial infection can play a significant role in CF mortality. An FEV1 of <30% remains a commonly used predictor of two-year survival for these patients.14 Thanks to new drug therapies, significantly improved FEV1 percentages have been observed in CF patients across all birth cohorts in the U.S., with children ages six to nine in 2020 having a nearly 10% higher median FEV1 percent predicted compared to children ages six to nine who were born between 1991 and 1995. The proportion of people with CF aged 18 years who have an FEV1 >70% predicted more than doubled from 40.1% in 1990 to 87.4% in 2020, and the proportion with an FEV1 <40% predicted decreased from 23.6% in 1990 to 1.8% in 2020.4

Lung infections can irreversibly reduce lung function, leaving some CF patients needing life-saving lung transplants. Transplants are only considered for patients who are at high risk of death in the coming year, or where predicted survival is less than 30%.15 The mortality rate for CF lung transplant recipients is nearly double that recorded for all lung transplant recipients, with a five-year survival rate of approximately 50% and a median survival of 6.4 years.2

As well as respiratory problems, CF patients commonly suffer from mental health complications such as anxiety and depression. U.S. data shows that 16.4% of CF patients have been diagnosed with anxiety disorder and 18% with depression.4 Patients are also prone to gastrointestinal problems due to impaired digestion and malnutrition.1 Approximately 37% of CF patients in the U.S. suffer from gastroesophageal reflux disease (GERD).4 Other complications include bile duct and intestinal obstructions as well as CF-related diabetes.2

Bone density is also often affected in CF patients, with up to 50% of adults experiencing osteopenia. Fertility is yet another impact, with 90% of males with CF experiencing congenital bilateral absence of the vas deferens, preventing sperm conveyance. Women can also experience fertility challenges due to impaired CFTR function .5

Table 5: CF Complications in 2020, U.K. CF Registry9


Overall (N=9922) %

<16 years (N=3910)

> 16 years (N=6012)





Raised liver enzymes




Liver disease




















*GERD: Gastroesophageal reflux disease ** DIOS: Distal intestinal obstruction syndrome

As CF patients can now live into their sixth decade and beyond, there is an increased risk of age-related conditions, including bone and joint disease, colon cancer, renal insufficiency, sinus disease, and cardiovascular disease. In addition, modulator drugs treatments are generating significant weight gain in younger CF patients, and as more are approved, obesity could become an issue.5


The introduction of modulator drugs has led to a substantial increase in the number of adults living with CF into their 40s and 50s. Notably, current survival estimates for CF do not account for ongoing improvements in patient treatment and care, so survival is likely to continue to improve, but may bring new challenges. As people with CF live longer, they will be more likely to experience the comorbidities of aging such as colon cancer, CF-related diabetes, and cardiovascular disease. Given the significant improvements in mortality rates for persons living with CF, there is future potential to offering short-term life insurance policies to some individuals living with CF.

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Meet the Authors & Experts

Hilary Henly
Hilary Henly
Global Medical Researcher, Strategic Research 


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  2. 326316#quality-of-life

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  9. 2022-05/2020 Annual data report - Version 4.pdf

  10. files/2021-12/CF_Annual Report 2020.pdf


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  15. archive=/24/items/wikipedia-scholarly-sources- corpus/ file=10.1016%252Fj.jclinepi.2014.12.010.pdf