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GLP-1s are breaking life insurance

glp1digest.com

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Re: GLP-1s are breaking life insurance

#71

Post by ChadNauseam »

hiAndrewQuinn wrote: post #53
ramoz wrote: post #38

Earlier quoted context omitted.

Can you explain what sucks about being on the prescriptions?

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.

A once-weekly subcutaneous injection is not a big deal for most people I think, outside of those who are very afraid of needles. It's a tiny needle and you don't even feel it. I've given injections to people who are afraid of needles, and they sometimes close their eyes in fear and are begging me to "just get it over with" without even realizing that I'm already done. Anyway, all this to say that outside of needle-phobic people I think the annoyance of the injections is probably not the reason people stop taking GLP-1 agonists.

Re: GLP-1s are breaking life insurance

#72

Post by Sparkle-san »

44520297 wrote: post #44
Sparkle-san wrote: post #33

Earlier quoted context omitted.

[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?

Cheat code was probably not the best term for it, I'll admit. I don't fault anyone for chosing to try GLP-1s and the cause of obeseity isn't particularly on the individual given the prevailance of ultra processed foods and car transportation in our society. That all being said, regaining most, if not all, the weight has been a historical issue around weight loss treatments because they're not durable. The way we're proceeding with GLP-1s feels short-sighted and potentially unethical if we're setting people up for rebound failure to line the pockets of big pharma.

Re: GLP-1s are breaking life insurance

#73

Post by saturneria »

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]

You could apply this same stupid logic to many medications.

Blood pressure medication comes to mind.

Re: GLP-1s are breaking life insurance

#74

Post by pmg102 »

lumost wrote: post #42
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 mai…

People seem to be taking it as given that "someone else preparing the food for you" == "the food is more likely to lead to weight gain".

Why should that be? Is it not possible to order healthy food in? If not this would surprise me as it seems a number of people would be seeking this.

I'm asking as I don't have personal experience.

Re: GLP-1s are breaking life insurance

#75

Post by beepbopboopp »

romaaeterna wrote: post #16

The problem (not new with GLP-1s) is that people lose weight, get life insurance, and then regain. The biggest part of that equation is regain part. Most people quit GLP-1s because of costs. Let's fix that.

Get ready for health/weight based credit scores, Its probably a genuinely good idea.

Re: GLP-1s are breaking life insurance

#76

Post by [deleted] »

lumost wrote: post #42
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 mai…

[deleted]

Re: GLP-1s are breaking life insurance

#77

Post by ks2048 »

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.

Re: GLP-1s are breaking life insurance

#78

Post by __turbobrew__ »

astrange wrote: post #36
__turbobrew__ wrote: post #31

Earlier quoted context omitted.

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.

How often do people control their own diets? That assumes they buy and cook all their own food, which is only true if you live on your own.

> How often do people control their own diets

Maybe I live in a bubble, but I don’t put stuff in my body unwillingly, so yes I control my diet.

It also isn’t rocket science, I know doughnuts have a shit ton of calories and vegetable shortening which will clkg your arteries, so I don’t eat doughnuts. I don’t have to look at the packaging.

Maybe the missing part is a proper education on nutrition in school, but we live in the age of the internet. All the information is there, you can get meal plans, you can figure out what foods are more likely to put you at risk.

Again, I don’t believe awareness is an issue. People know that chips and doughnuts are bad, but they eat them anyways because they are addicted to food which is engineered to be addictive.

Re: GLP-1s are breaking life insurance

#79

Post by wjnc »

The article is missing some key points about insurance. An ideal book balances mortality and longevity risks. This cancels out the risk GLP-1s or many other actuarial shifts in mortality. Insurers swap risks, reinsure risks etc to move towards an ideal book. Nice products to balance are pensions and longevity. Problem is that the scale is quite different on a per policy basis, and also very location specific.

The article also misses regarding slippage is that Swiss Re in the link calls it a modest increase And that is mainly due to insurers Not performing the same level of medical intake (accelerated versus full underwriting). Increased competition leads to less profits. That’s pretty straightforward and not per se GLP-1s related.

And then the kicker. For not diversified portfolios of mortality risks. Those have been massively profitable for decades, in line with the general increase in age and health. GLP-1s just expands on that profitable aspect. Did I mention that the long term expected rate of return on an insurers book is quite good?

Insurers can weather a bit of slippage. Reinsurers will kick the worst offenders back in line with their AUC performance, because without diversification Or reinsurance it’s hard to stay in the market. (Capital requirements strongly favor diversification. Mono line is very hard.) That’s why Swiss Re is bringing out such rigorous studies of detailed policy events. Signaling to the reinsurance markets and the insurance companies and their actuaries!

Re: GLP-1s are breaking life insurance

#80

Post by nwienert »

almosthere wrote: post #25

so surreal reading comments... a month after non-stop threads about glp causing a billion issues, everyone is talking about how wonderful they are again. humanity

It's a once in a generation drug with less side effects than most OTC, likely net positive even for healthy weight people. I'd bet within the decade it'll be approved for a whole basket of other benefits - at the least a whole array of immune system disfunctions and a cure-all for addiction.

Likely protective of a wide array of internal organs, likely life extending.

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