| Underwriting Alcohol-Related Risk with Confidence |
| Cliff Hale, MD, MBA, DBIM |
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We'll review recent and salient past studies quantifying alcohol-related
mortality risk and examine the risk implications of mild, moderate, and
heavy alcohol consumption as well as the case characteristics that modify
these risks. Biological and psychosocial markers for alcohol-related risk
including CDT will be examined, and we will show how to use these markers
in risk selection. We will help underwriters understand their own biases in
assessing the risk and help guide objectivity in explain the risks to clients
and agents.
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