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GLP-1s are breaking life insurance

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Re: GLP-1s are breaking life insurance

#261

Post by mikhailt »

mikhailt wrote: post #207
Group_B wrote: post #131

Earlier quoted context omitted.

Good point. The main root cause of obesity is too many calories. Usually, obesity and the symptoms / diseases that come with it improve / go away when eating less calories. Does any human technically need medication to eat less calories?

Yes. Gut microbes has already been shown to have a great impact on how we metabolize by what med we take, what we eat or drink and intake from our environments (micro-plastics, etc). There is no single main root cause for obesity. We just combine it as one because there isn’t a lot of long term research or funding for it right now. There is a lot of sigma against obesity and people keep blaming other people instead.…

This just pops up in my RSS today, which is an interesting read but not yet relevant to humans: https://newatlas.com/health-wellbeing/amino-acid-cysteine-re...

Re: GLP-1s are breaking life insurance

#262

Post by hobom »

mcherm wrote: post #83

If insurers are suffering from "mortality slippage" because some of their customers purchased insurance while on GLP-1s then later discontinue the medication, then there must also be "mortality slippage" in the opposite direction. There must be customers who were not on GLP-1s when they purchased insurance, but could go on them, extending their lives in a way that is very profitable to the life insurance companies. F…

At least in part, according to the article, because the not-yet-on-GLP1 folks are NOT customers since they are often denied coverage in the first place.

Re: GLP-1s are breaking life insurance

#263

Post by furyofantares »

firesteelrain wrote: post #57
furyofantares wrote: post #40

Earlier quoted context omitted.

How long ago was this?

I started in Aug 2024 and stopped in Oct 2024. I paid for it from one of the pharmacies that made it in Florida. I injected myself with insulin needles that they send you.

I've seen so many reports of people losing weight one way or another, and saying they kept it off, and I think only once has it been more than a year. Usually under 6 months.

Personally I lost a ton of weight doing full-on keto (I specify, because some people just kinda cut out carbs) and then kept it off for over 2 years. But I put the weight back on after that, albeit slowly (over the course of maybe 7 years).

I've also done Mounjaro, and I can keep it off a while after I go off it, but not that long.

YES, you have to change your habits, maybe lifestyle, maybe deal with other issues in order to keep it off. But I think, not only is that difficult, it's not a "you did it and you're done" deal. It's easy to slip backwards, and I won't make any claims about you personally, but for anyone who's kept it off for less than a year, I think the good money would be on it coming back within another year. I doubt someone is "out of the woods" even two years on.

Re: GLP-1s are breaking life insurance

#264

Post by terminalshort »

Aurornis wrote: post #260
terminalshort wrote: post #238

Earlier quoted context omitted.

People who want to misuse the medication are going to be the ones most willing and able to jump through the bureaucratic hoops. Increasing the difficulty to get the medication will only make it more difficult for legitimate users and won't decrease abuse. In 1920, 1970, and now, heroin was legal, illegal with minimal enforcement, and illegal with harsh enforcement (except in SF), and the same percentage of the popula…

> People who want to misuse the medication are going to be the ones most willing and able to jump through the bureaucratic hoops This thinking seems correct to people who grew up knowing about the dark web, Silk Road, and who believe they could access any substance they want if they wanted it. It is not accurate for the majority of the population. For the average person, misuse of drugs isn’t a calculated decision. I…

> The availability and convenience of these different opioids has unquestionably increased opioid addictions.

You are making my point for me. The harsh restrictions on opioids haven't actually decreased the availability for addicts who are willing to go to black markets and risk dangerous injectibles and fent laced street drugs. All the restrictions have done is make it much more difficult for legitimate users like me. I broke my collar bone a few years back and was barely given any pills and had to live with a lot more pain than I should have. And the justification is that these harsh restrictions make it harder for addicts to get it, but as you pointed out, it actually doesn't even do that.

As for marijuana I would bet that the increase in the number of users has been more due to the decrease in public perception of how harmful it is rather than from its legalization. Is the usage increase limited to the states where it has been legalized? Furthermore, it doesn't matter if the usage increases, only if the problematic usage increases. Is there any indication that this increase corresponds to more serious potheads or just more casual smokers?

Re: GLP-1s are breaking life insurance

#266

Post by peteforde »

I know that many of the claims are based on clinical data and retention studies, but I find the entire thrust of the post to be incredibly cynical. Fat people often fight the not subtle sensation that a lot of people see them as either a problem/herd to be managed and/or maximally profited from. This is one of those accounts that seems to say the inside part out loud.

The idea that a few pharmas artificially juicing a desperate population [who just want to feel good about themselves and live longer, happier lives for more than many can comfortably afford] is interfering with insurance adjustors ability to maximize profits doesn't leave me heartbroken.

It's precisely this shit that leads to people celebrating when pharma CEOs get tapped.

Re: GLP-1s are breaking life insurance

#268

Post by ahartmetz »

dooglius wrote: post #211
hiAndrewQuinn wrote: post #53

Earlier quoted context omitted.

I'm just reporting my cached knowledge of people saying they experienced some adverse side effects. Also injections are not fun, even though they are probably a lot less annoying than they look.

There's an auto-injector mechanism, at least with my brand; you don't need to needle yourself

Ah, auto-injectors, a curious piece of technology. I've always wondered how it is to actually use one since we had these in everyone's medkit in the German army, loaded with nerve agent antidotes. Just slam it on you leg and inject through the pants were the instructions... Kinda grisly, I guess it's less emotionally charged for a weight loss drug!

Re: GLP-1s are breaking life insurance

#269

Post by Qem »

ks2048 wrote: post #77
llm_nerd wrote: post #6

This is a fun read, however- "Life insurers can predict when you'll die with about 98% accuracy." This conclusion isn't supported by the linked document. The document instead is talking about expected vs actual deaths among demographic groups as a whole, not individual people. And that expected vs actual is just history + trends. This doesn't mean that insurance can say that Joe Blow is going to die in June of 2027 w…

I can predict pretty well "Will person X die this year" by saying "No". Yeah, this number seems meaningless without more context.

Unless the preson in question is over 102 years. IIRC that is roughly the age when mortality rates on average surpass 50% per year. Up until tha age you can celebrate your birthday and reasonably expect is more likely to still be alive by the next than not.

Re: GLP-1s are breaking life insurance

#270

Post by glp1guide »

Note that right now there's a problem with people staying on GLP1s[0] so it's not quite clear how this could go any other way. Considering the rate of rebound from other lifestyle methods, GLP1 is among the most effective alternatives we have.

GLP1 significantly reduces the risk of many mobidities and is increasingly prescribed to older people.

Also, this is incredibly likely to resolve itself once the drugs become common place after patent expiries, the actuaries will update their tables and the curve will smoothe out.

[0]: https://glp1.guide/content/if-glp1-is-so-great-why-dont-peop...

[1]: https://glp1.guide/content/patent-expirations-for-glp1-recep...

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