Polygenic Risk Scores: Quantifying the Inheritability of Common Diseases
Significant and rapid progress in genetics research and data analytics is currently enabling an unprecedented expansion in science’s understanding of the genetic underpinnings of rare and common diseases. Large-scale cohort studies such as the UK Biobank are helping scientists build powerful prognostic models for a number of diseases, including breast cancer and coronary artery disease, and hastening the development of a new tool for quantifying the inheritability of common diseases: Polygenic risk scores.
Genetic Testing Put Under the Microscope
Genetic testing is becoming more accessible and commonplace, with new genetic links to diseases regularly being identified. However, the many constraints on the use of predictive genetic tests in insurance means that the easy availability of direct consumer testing is an issue that the industry must consider very carefully.
Epigenetics - Technology for Improving the Underwriting Process
Epigenetics is poised to improve the underwriting process, moving beyond deep venous puncture blood collection and a lengthy approval process that takes months to complete.
Genetic Testing - A Blessing or a Curse?
The rise of genetic testing in recent years is fueling a debate in insurance circles over the potential risks versus benefits posed by the readily available genetic information.
Polygenic Risk Scores – A Useful Tool in our Risk Prediction Toolkit?
The wider implications of recent advances in genetics and genomics, including polygenic risk scores, need to be considered in the context of the protection industry. RGA's Heather Lund and Richard Russell explore the topic in depth in the Journal of the Association of Insurance Medicine of Japan.
Underwriting Today & Tomorrow
Slides from Hank's presentation at the WAHLU 2019 Spring Seminar have been posted at the WAHLU website.
Genetics and Insurance: Challenges and Opportunities II
The impact of genetic testing on the insurance industry will continue to be an important topic of actuarial research for some time as insurers address its effect on pricing and valuation. Insurance product development opportunities may also emerge to capitalize upon the genetics revolution. This paper explores the implications for the insurance industry.
Genomic Medicine: The Time is Now
The life industry finds itself at an inflection point as insurers come under growing pressure to position themselves to embrace genomics and genetic testing. Best's Review explores the underwriting implications of rapid advances in genomics, including research by RGA and King’s College London into the risk prediction potential of polygenic risk scores for incidence and death from breast cancer and coronary artery disease.
Genetic Tests: Are They All Equal?
This article discusses what a genetic test can reveal about us, the variety of genetic tests available and some of the pitfalls we can experience as underwriters, or indeed consumers, of these genetic tests.
Polygenic Risk Scores: Combining Thousands of Genetic Variants to Predict Disease
Richard Russell, Ph.D., Lead Health Data Scientist, U.K., Division of Global Research and Data Analytics (GRDA), addresses polygenic risk scores (PRSs) and provides an update on the quickly advancing knowledge in this area of genetics research and risk assessment.