Categories
- ACTUARIAL DATA SCIENCE
- AFIR / ERM / RISK
- ASTIN / NON-LIFE
- BANKING / FINANCE
- DIVERSITY & INCLUSION
- EDUCATION
- HEALTH
- IACA / CONSULTING
- LIFE
- PENSIONS
- PROFESSIONALISM
- Thought Leadership
- MISC
Jinbo Zhao will present a simulation-based model for multifactorial genetic disorders to quantify the impact of polygenic risk scores (PRS) on life insurance. Heart attacks are used as a case study and individual-level PRS, disease status and family history are simulated employing the liability threshold model and introduced into the simulated individual profiles to form the data source for subsequent analysis. The impact of PRS was measured by calculating the incidence of heart attack for various categories, quantifying the additional information provided by PRS, and comparing the premiums calculated for various PRS risk groups.
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