Underwriting mental illness
Underwriting mental illness for the purposes of life insurance presents unusual and interesting problems. This particular area of underwriting, perhaps better than any other at the present time, illustrates the challenges of changing knowledge, classification, treatment and disposition with, if not an increasing incidence of mental illness, certainly an increasing incidence of its recognition in the general population as well as of patients returning from hospitals, clinics and private physicians to the Market Place as potential candidates for the purchase of life insurance. It is representative of the increasing importance of clinical projection as a vector of appraisal in the competitive skill of underwriting individual lives. Diagnostic categories of mental illness are rather nicely established, certainly sufficiently so to establish, with some precision, groups of sufficient size for underwriting purposes. However, the assignment of lives to these categories with enough diagnostic agreement to form homogeneous groups probably leaves much to be desired.
KeywordsPlacebo Obesity Depression Manifold Migraine
Unable to display preview. Download preview PDF.
- Diseases of the Psychobiologic Unit of the Standard Nomenclature of Diseases and Operations 1952.Google Scholar
- Menninger, K.: The vital balance. Viking Press 1965.Google Scholar
- Brombery, W.: Man above humanity, a history of psychotherapy. J. B. Lippincott Company 1954.Google Scholar
- Johnson, J. W., JR.: The decompensated personality as an insurance risk. Proceedings Institute of Home Office Underwriters, November 1950.Google Scholar
- Johnson, J. W., JR.: Diagnosis of the Decompensated Personality. Its Application to Insurance Medicine. Proceedings Medical Section, American Life Convention, June 1951.Google Scholar
- Observations and Notes on Mental Illness and Risk Appraisal. Proceedings Medical Section, American Life Convention, June 1965.Google Scholar
- Heath, R. G.: Biological research in behavior. Proceedings Medical Section, American Life Convention, June 1963.Google Scholar
- Hardy, TH.: Tess of the D’Urbevilles. 1891.Google Scholar
- Browne, SIR TH.: Religio Medici. 1642.Google Scholar
- Johnson, J. W., JR.: Psychiatric terminology. Transactions Association of Life Insurance Medical Directors, October 1960.Google Scholar