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PulseModel: the death predictor

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CIOL Writers
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pulse and risk of death

Want to know when will you die, checkout PulseModel, invented by the leading global advisory, Broking and Solutions CompanyWillis Towers Watson. The new piece of technology that can more accurately predict when you're going to die was created specifically to give insurance companies tools to make more precise predictions on when you're likely to die and, therefore, give more accurate price calculations for insurance for you.

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PulseModel is the first widely-available mortality model to use medical science when it comes to predicting death. The model is based on seven disease groups -heart disease, diabetes, and cancer, stroke, respiratory, digestive/renal and neurological. Other risk factors are also included such as smoking status, blood glucose, and BMI as well as the time of longevity since diagnosis.

Matthew Edwards, Head of Mortality and Longevity in Willis Towers Watson's life insurance practice says, "We have been concerned for some time that the mortality models in common use does not properly incorporate medical information - such as whether people are healthy or have some disease history - quite apart from lifestyle information such as smoking status or basic medical markers."

In PulseModel, the technology includes more predictive analysis on having a condition like a type II diabetes, and what that would mean to an individual - taking more into account on mortality patterns.

The Company illustrated an example which shows that 16 percent of healthy 50-year-old men will develop type-2 diabetes in the next 20 years. This figure rises to 23 percent for a group of 50-year-old men who are obese smokers.

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