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Munich Re offers new risk assessment tools in its EDGE underwriting manuals

During the Association of Home Office Underwriters (AHOU) 13th Annual Conference, Munich American Reassurance Company announced key enhancements to its EDGE Life and Disability Income (DI) underwriting manuals.

The enhancements to the manuals include a new cerebrovascular and neurological disease section, as well as new sections on osteoarthritis and other impairments.

In conjunction with Stroke Awareness Month, the latest EDGE Life release will focus on stroke, transient ischemic attack (TIA), and carotid disease, along with other forms of cerebrovascular or neurological disease.

The release utilizes the most current mortality data related to stroke and TIA, which has been incorporated into a new rating schematic that recognizes the age-related prevalence of these diseases.

"With stroke being the third leading cause of death in the United States, there is a critical need to be able to accurately assess and underwrite this and other neurological diseases," says Bill Moore, Vice President, Underwriting and Medical at Munich American Reassurance Company. "Stroke is also the leading cause of serious long term disability, with nearly 75 percent of all strokes occurring over the age of 65, which reinforces the significance of these new sections within EDGE."

May is also Disability Insurance Awareness Month, and the EDGE DI manual is also being updated with new sections on osteoarthritis, supplemental hormone therapy, ankylosing spondylitis, atrial fibrillation, accidental needle stick, tuberculosis, and Wolff-Parkinson-White Syndrome (WPW), along with reference articles pertinent to these impairments.