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Underwriting and Claims

​The Insurance Implications of Traumatic Brain Injury


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 (

Download "​The Insurance Implications of Traumatic Brain Injury"

The Authors

  • Julianne Callaway
    Vice President and Actuary
    Strategic Research
    Global Actuarial Pricing and Research
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  • Michael Hill
    Certified FALU, FLMI
    Vice President, Fac Underwriting Strategy and Data Analytics
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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
  • avocation
  • Callaway
  • claims rehab health insurance
  • claims rehabilitation health insurance
  • driver distraction
  • Hill
  • Julianne Callaway
  • LTD health insurance
  • Michael HIll
  • morbidity
  • mortality assumptions
  • mortality experience
  • mortality trends
  • motor vehicle records
  • physical therapy insurance
  • RTW disability health insurance
  • sports injury disability insurance
  • TBI
  • TBI insurance
  • TBI morbidity
  • traffic fatality
  • Traumatic Brain Injury
  • traumatic brain injury insurance