Biological age derived from cardiorespiratory fitness assessment and its impact on life assurance business

Heikki Aatola, Lasse Koskinen, Voutilainen Raimo

Research output: Other contribution

Abstract

In this paper we show that aortic aging is an important factor explaining
biological age. Therefore, it is advisable to use cardiorespiratory
fitness assessment (CFA) to obtain an estimate of a patient’s biological
age. We conclude that CFA is a potential substitute for previously widely
used biological age assessment methods. We also discuss the
importance of biological age in risk management.
We also study the significance of biological age to insurance business.
Cohort life expectancy is the single most influential factor that insurance
companies use to determine life insurance premiums. Biological age can
represent a person’s aging status more appropriately compared to
chronological age because biological age is associated with health status.
CFA is an accurate estimator of biological age. We propose to test its use
in the calculation of premiums and technical reserves and underwriting
processes instead of cohort life expectancy. This can be operationalized
by an easy to use assessment method like CFA and standard age transfer
formula.
Original languageEnglish
Number of pages15
Publication statusPublished - 2 Aug 2021
Publication typeNot Eligible

Keywords

  • Biological age, aortic aging, cardiorespiratory fitness, life assurance, risk management

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