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GLP-1s are breaking life insurance

glp1digest.com

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Re: GLP-1s are breaking life insurance

#41

Post by lbrito »

paul7986 wrote: post #17

I believe AI along with smart glasses that shows and calculates your daily caloric intake will be a SUBSTITUTE (another option) to the Ozempics. With AI glasses doing this automatically for you upon seeing what your eating without u having to do anything some people may be shocked to learn how many calories they consume daily. Currently, it's too time consuming now for the majority to do (i use GPT via texting it or…

People with poor restraint will remain unfazed.

If what you're suggesting worked, then the horrible cancer pics on cig packs would have long eliminated smoking.

Re: GLP-1s are breaking life insurance

#42

Post by lumost »

paul7986 wrote: post #17

I believe AI along with smart glasses that shows and calculates your daily caloric intake will be a SUBSTITUTE (another option) to the Ozempics. With AI glasses doing this automatically for you upon seeing what your eating without u having to do anything some people may be shocked to learn how many calories they consume daily. Currently, it's too time consuming now for the majority to do (i use GPT via texting it or…

You're being downvoted as many people who try to count calories fail to achieve meaningful results. From my own experience, weight gain follows a simple progression.

1. Expected high stress work day -> Coffee w/ food item in the morning

2. Stress during the day -> No exercise + large lunch.

3. Post-day -> door dash due to not feeling up for cooking.

4. Sleep -> Get 6 hours of sleep due to not having the energy to maintain bedtime discipline, getting paged, or late night meetings + childcare obligations.

5. Repeat.

This cycle continues for a few months leading to 10-20 pounds of weight gain, followed by a year long push to rebalance life and lose the weight. There is nothing that a magic calorie counter could do for this cycle other than guilt me over my door dash order at the end of the night.

Re: GLP-1s are breaking life insurance

#43

Post by jiveturkey »

hiAndrewQuinn wrote: post #23

So... There's a miracle drug powerful enough to robustly lower people's all cause mortality, but since health insurance and life insurance are industries with vastly different time preferences, this is not a good thing for the life insurers because people just keep getting off the magic longevity drug and screwing up their predictions. Because, admittedly, it kind of sucks in the moment to be on. And I'm guessing jus…

For a single person, perhaps fortunate. What about in aggregate? What if the math is so bad that your life insurer goes bankrupt?

Re: GLP-1s are breaking life insurance

#44

Post by 44520297 »

Sparkle-san wrote: post #33
firesteelrain wrote: post #24

I was on Mounjaro for two months. I was also dieting and walking 10k steps a day. I lost 25 lb and my A1C went down to 5.0 from 5.7. All my cholesterol numbers were in range. I stopped taking it and lost 25 more. I haven’t regained the weight. People who gain it back did not learn the lesson and did not effectively change their habits. You need the discipline - and a good support system. But if you don’t have that an…

[flagged]

Why is obesity the only disease that taking medicine for is “cheating”? Which is more important: instilling your particular version of “discipline” into people, or saving billions in healthcare costs and millions of lives from suffering?

Re: GLP-1s are breaking life insurance

#45

Post by petesergeant »

hiAndrewQuinn wrote: post #23

So... There's a miracle drug powerful enough to robustly lower people's all cause mortality, but since health insurance and life insurance are industries with vastly different time preferences, this is not a good thing for the life insurers because people just keep getting off the magic longevity drug and screwing up their predictions. Because, admittedly, it kind of sucks in the moment to be on. And I'm guessing jus…

> admittedly, it kind of sucks in the moment to be on

I don’t think that’s a typical experience for most people, other than the price

Re: GLP-1s are breaking life insurance

#46

Post by etothepii »

PaulDavisThe1st wrote: post #10
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…

Put a little differently, they can predict that of your cohort (defined somehow), after June 2027, only X percent of you will still be alive. Will you be one of them? Click here to find out!

For mortality tables age and sex are pretty much sufficient to get to 98% accuracy.

Re: GLP-1s are breaking life insurance

#48

Post by paul7986 »

__turbobrew__ wrote: post #31
paul7986 wrote: post #17

I believe AI along with smart glasses that shows and calculates your daily caloric intake will be a SUBSTITUTE (another option) to the Ozempics. With AI glasses doing this automatically for you upon seeing what your eating without u having to do anything some people may be shocked to learn how many calories they consume daily. Currently, it's too time consuming now for the majority to do (i use GPT via texting it or…

I don’t think awareness of caloric intake is the problem, there are standardized labels on most foods (especially the bad ones). Most people who are obese know that the calories make them overweight, but they still have the need to eat food — which is what makes obesity a result of addiction. Similarly meth addicts know that meth is bad for them, but they still do it anyways.

Sure and I didnt say it would replace Ozempics rather it's a substitute that would help a portion of the population.

Yet majority of all people have no idea the amount of calories they eat daily. Im sure being shown this automagically will be valuable data to all people just how they choose to use this optional feature to make changes or not.

Re: GLP-1s are breaking life insurance

#49

Post by hiAndrewQuinn »

jiveturkey wrote: post #43
hiAndrewQuinn wrote: post #23

So... There's a miracle drug powerful enough to robustly lower people's all cause mortality, but since health insurance and life insurance are industries with vastly different time preferences, this is not a good thing for the life insurers because people just keep getting off the magic longevity drug and screwing up their predictions. Because, admittedly, it kind of sucks in the moment to be on. And I'm guessing jus…

For a single person, perhaps fortunate. What about in aggregate? What if the math is so bad that your life insurer goes bankrupt?

... I just switch life insurance providers?

Seriously, that's just not that big of a deal. It takes like a few days at most for simple term life. Can't speak to the other policies, which I understand are mostly tax vehicles anyway, but it's not hard to simply get a new life insurance policy if your current one goes kaput.

Re: GLP-1s are breaking life insurance

#50

Post by petesergeant »

arn3n wrote: post #4

Obesity is highly correlated with other medical conditions, from cancer to diabetes to heart disease. I wonder if there is a point at which it is cheaper for health insurance companies to offer subsidized or even free GLP-1s to patients than pay out for other specialized medications. For example, my insurance covers flu shots in my community every year because it's presumably less expensive to pay for the shots compa…

> I wonder if there is a point at which it is cheaper for health insurance companies to offer subsidized or even free GLP-1s to patients than pay out for other specialized medications.

That the NHS is getting to a place where it’ll provide it, I’d say yes.

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