This technology can predict your death – Administrators

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a consulting company has created a technology that can make the most compelling predictions of when you will die. For what? The information of interest to insurers, which can calculate more accurately the cost of their packages for health and life insurance, considering the data generated by PulseModel. According to creator company, the advantage for business is the ability to measure and manage risks, and identify points of vulnerability. For customers, the advantage would be in obtaining fair prices and tailored to your health.

 

PulseModel was created by the international consulting group Willis Towers Watson, which provides its services to several multinational. The technology serves a purpose, we have already mentioned: to provide more precise conditions to the suppliers of insurance to determine plans and prices that match the customer’s reality. For the group, the current models to do this are generic and vague.

 

That’s because usually when someone wants to make a health plan, need to fill out simple questionnaires about their health, lifestyle, for example, is doing physical exercise, smoke or drink alcohol often. But PulseModel would furthermore, including analyzes and forecasts deep, as if the subject has type 2 diabetes, for example, considering what it could mean in the life of that person.

 

According to a report from Business Insider, the WillisTowers Watson said in a statement via e-mail that PulseModel is the first mortality study model widely available for use and using medical science to make predictions. “For some time we worried about the fact that the mortality models commonly used do not adequately incorporate medical information – as if people are healthy or have a history of disease – which are very different lifestyle information, such as the person smokes or other basic medical data, “said Matthew Edwards, head of Mortality and Longevity in the business insurance sector. The question here is, therefore, take into account patterns of mortality.

 

The Willis Towers Watson exemplified his method using the diabetes epidemic scale in the UK. The company that explains 16% of a selected group, in this case, healthy men in the age of 50 will develop type 2 diabetes within 20 years. This forecast grows to 23% if these men are obese and smoke. according to the model, it is expected that relatively healthy men who have diabetes in this age group between 50 and 70 years, live six years less than those without diabetes. If added to this disease are smoking and obesity, they are expected to live another four years less (with 10 in total, compared to healthy group).

 

So, healthy men would not pay for the risk that men with diabetes, smokers and obese pay when making a health plan or life, according to Matthew Edwards. He points out that the more accurate assessment of longevity and mortality forecasts ensures that insurance companies do not cover the most to offset risks considered across the board.