Marianne E. Cumming, BSc (Pharm), MSc, MD, AALU Vice President & Medical Director, Swiss Re

Chronic pain is both a common and challenging underwriting impairment. Dr Cumming will provide an innovative framework for underwriting as well as an overview of chronic pain and its favorable and unfavorable underwriting features. Chronic pain further complicated by depression will also be addressed with a logical underwriting approach. Dr Cumming will discuss the latest information and trends in medical marijuana use and what factors underwriters need to know when underwriting medicinal marijuana use.