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Polaris Underwriting Blog

8/25/2020 0 Comments

Labs, The Sequel

Lab data is a simple resource to identify areas of possible impairment.  We have already seen how the hemogram (CBC) can locate blood disorders like anemia, leukemia and thrombocytopenia.  Another routine but very important lab test is the blood chemistry panel, or comprehensive metabolic panel (CMP).  The most recognized test is the glucose level, a hallmark for identifying new onset of diabetes, and also for monitoring control for known diabetes.  The glucose level indicates the amount of glucose in the blood stream.  Fasting labs are ordered to isolate what is in your blood stream and are unimpacted by the donut you just ate.  A common specialized lab test for diabetes is the A1c, which measures a 2-3 month average of glucose control. 

Blood urea nitrogen (BUN) and creatinine (CR) gauge the function of the kidneys.  Of the two, CR is more important, and when elevated, indicates renal dysfunction.  Chronic mild CR elevation is referred to as renal insufficiency.  More significant is chronic CR elevation, known as renal failure.  The glomerular filtration rate (eGFR) shows the efficacy of the kidney filtration system.  As the CR rises, the eGFR will decrease.  Treatment for either is to avoid dehydration (which can temporarily damage the kidney) and avoid NSAIDS and other nephrotoxic (nephro=kidney, toxic=you know) medications.  As the kidneys deteriorate, the buildup of toxins in the blood stream requires outside help, in the form of dialysis.

Electrolytes, also known as minerals, can reveal metabolic imbalances.  One of the more serious imbalances includes elevated potassium, because it affects impulse conduction in the heart and can cause palpitations.  Sodium (Na) and chloride (Cl) play major roles in water regulation in the body on a cellular level.  Decreased Na and Cl may be caused by dehydration, resulting in confusion and even seizures if left untreated.  Liver dysfunction can be readily identified by elevation of two liver enzymes with big, long names, simply abbreviated AST and ALT.  The elevations are caused by inflammation or damage to the liver cells.  Common causes of the damage are alcohol intake, hepatitis and fatty liver disease.  Additional liver markers, bilirubin and alkaline phosphatase, can also reveal liver problems.

Calcium is necessary for the function of nerves, muscles and heart.  Elevations may weaken bones and create renal stones.  Low levels of calcium can cause confusion, depression, and stiff, aching muscles.  Both hypercalcemia (hyper=increased) and hypocalcemia (hypo=decreased) can be caused by parathyroid gland dysfunction (don’t ask).

The takeaway from the above is this: the CMP can identify imbalances in the body’s blood chemistries and therefore, the body’s metabolism.  Any lab value that is not normal would then be followed up by treatment (ie increased electrolyte ingestion), follow up labs to monitor stability (ie glucose elevation) and/or further testing (ie ultrasound for elevated AST /ALT).
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7/29/2020 0 Comments

The Secret Meaning of Labs

Lab data is a great resource for identifying and tracking health issues.  Routine lab analysis includes CBC (complete blood count), basic metabolic panel (BMP or blood chemistries), lipid panel and urinalysis.  There are a multitude of more specialized studies such as: A1c, done for diabetes control; blood coagulation test done for bleeding abnormalities or to monitor anticoagulant medications; and liver panel, done to monitor liver function.  Those are the easy ones!  Specialized lab tests require specialized equipment and include proteins studies like electrophoresis, immunoglobulins and light chains, often found in myeloma. 

But let’s keep it simple and focus on what we can learn from the CBC.  The obvious includes the white blood cell count (WBC), hemoglobin (HG), and platelet count (PLT).  The WBC, if elevated may indicate infection.  The type of infection would determine the type of treatment, typically antibiotics.  If the WBC remains elevated over time, it could possibly point to a leukemia, requiring treatment determined by more in-depth studies.  On the converse side, if the WBC is decreased, called leukopenia (leuko=white cell, penia= decreased), it may show bone marrow dysfunction, autoimmune disorders, or immunosuppression.  Of course, more tests and studies would ascertain the cause and therefore the treatment. 

The HG, when decreased, commonly identifies anemia.  Treatment of anemia depends on the cause of the anemia.  Very common in the senior population, is iron deficiency anemia.  In that case, an iron supplement would be given, either orally or through an IV.  Severe anemia is treated with blood transfusions.  Since the HG carries oxygen, a person severely anemic could be short of breath.  At times, that symptom helps direct the diagnostician to cause and treatment.  An increase in HG is known as polycythemia (poly=many, cyt=cell, emia=blood).  Polycythemia, although rare, is very serious.  Without treatment, it could be fatal.  Treatment depends on severity, but also includes phlebotomy (blood letting in the old, old, old days) or medication.  HG may also be elevated d/t smoking or residing in a high altitude.

The function of platelets is to form clots to stop bleeding.  A decreased count is called thrombocytopenia (thrombo=plt, cyt=cell, penia=decreased). It makes sense that a decreased PLT count would put someone at risk for bleeding.  Common areas to first identify the problem might be frequent nose bleeds, bleeding gums or light bleeding from the GI tract.  It doesn’t take rocket science to realize this may present a simple problem like a nosebleed or a life-threatening emergency requiring hospitalization and transfusions.  Again, the cause of thrombocytopenia would determine appropriate treatment.  A condition of too many PLTs is call thrombocythemia (I bet you can figure that one out!).  This condition would cause more clots than needed by the body, a very dangerous situation that my end in a stroke or heart damage.  Medications are necessary to treat and prevent complications.
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6/2/2020 0 Comments

Renal Function

We have two kidneys, located in the flank (retroperitoneum) which act like filters or sieves.  The sieve filters the waste products from cellular metabolism, and any extra water for excretion as urine.  Routine chemical analysis of the blood provides several tests to monitor the effectiveness of the filter.  Blood urea nitrogen (BUN) and creatinine (CR) gauge the function of the filtering process.  When BUN and CR are elevated, the kidneys are unable to maintain their job of keeping impurities and toxins out of the blood.  A more important test is the glomerular filtration rate (eGFR), which measures the rate the urine is being produced.  eGFR decreases as renal function declines.  As BUN and CR rise, and eGFR decreases, the kidney function can be described as renal insufficiency (RI) or even chronic renal failure (CRF).  Another telling sign in deteriorating kidney function is protein in the urine.  Protein is a very large molecule; the kidney has holes or spaces in the sieve to excrete such a large molecule.  Sort of like a green pea that slips through the sieve when you strain your vegetables for dinner.  A smaller protein is known as microalbumin and indicates an early stage of a leaking filter.

​If renal function continues to decline due to diseases such as complications from diabetes, nephrosclerosis (most common cause), polycystic kidney disease (congenital), end stage renal disease may result (uremia).  End stage renal disease (ESRD) requires an filtering system outside the body, to cleanse the blood from toxins.  Peritoneal dialysis uses the peritoneum (lining of the abdomen) and a cleaning solution (dialysate) to filter the blood.  This type of dialysis is more convenient and can be done at home.  Hemodialysis requires vascular access, usually in the arm, where two needles will be used for each session, one to allow the blood to flow out to the dialysis machine, and one to allow the cleansed blood to flow back in.  The access is called an AV fistula (arterio-venous) and takes several months to prepare.  This type of dialysis requires regular visits to the dialysis center usually lasting several hours. 


Renal transplants were first experimented with in 1902 (in Vienna, with animals).  In 1909 an animal kidney was transplanted into a human.  In 1933 the first human-to-human transplant was performed.  The kidney never functioned because of mismatched donor and recipient blood types; the recipient’s body did not recognize the new kidney and a fatal reaction was unavoidable.  The first successful transplant was performed in 1954 in Boston.  The donor was an identical twin to the recipient thereby avoiding the rejection process.  The recipient lived an amazing eight years.  The advent of anti-rejection drugs (immunosuppressants) has predictably improved renal transplant survival rates.


Between 2001 and 2016 studies showed a reduction in mortality in both types of dialysis and transplants (https://www.uptodate.com/contents/patient-survival-and-maintenance-dialysis).  Survival of dialysis and transplants is impacted by age (over 65), financial and social status and comorbidities.  Inadequate dialysis and length of time on dialysis show a slightly lower survival rate.  With the reduction in mortality, there is a greater demand for matching organs, which will obviously increase time on dialysis.
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5/22/2020 1 Comment

Strokes

Remember the lakes and streams representing the nervous system?  Well the vascular system (arteries and veins) is like a bunch of hoses.  The biggest hoses are closest to the heart and taper smaller as they proceed farther from the heart.  Normally, the blood flows through the hose unimpeded.  But, like with your garden hoses, certain conditions can cause the flow to change.  Hypertension (HTN) occurs when the hoses are constricted more than necessary.  That restriction causes the heart to have to beat harder and will eventually cause heart muscle changes and could lead to a stroke (CVA).​

At times, the hose lumen (artery) is narrowed due to plaque buildup.  That build up causes arteriosclerosis or atherosclerosis, big words for plaque buildup.  This is the reason the AMA highly recommends lipid management, both through the use of a statin medication and dietary modification.

There are two main types of stroke: ischemic, due to a lack of oxygen, and the most common; and hemorrhagic (bleeding in the brain).  If there is a buildup in the hose, there is a risk of part of that plaque breaking off, traveling through the vessel, and clogging elsewhere.  If that situation occurs in the brain, the end result is an ischemic or embolic stroke (CVA).  The brain suffers from lack of oxygen in that specific area.  The symptoms will indicate where the ischemic area is located in the brain.  Each hemisphere of the brain controls the opposite side of the body, so if there is weakness on the right side, it is due to a L sided stroke (and conversely).  If the ischemia occurs in the area of speech, speech will be garbled, slurred or non-existent.  A severe stroke may leave “residual” damage, that is, deficits that remain long after rehab has concluded.  A mild stroke with very little damage will result in a complete recovery.  Understandably, a stroke that seriously affects the dominant hand will have a more difficult and probably longer rehabilitation.  Residual damage will of course affect activities of daily living, and even cognition so will ultimately decrease the life expectancy.

The second type of stroke is from a leak in the hose.  The leak can be caused by chronic HTN weakening the artery, aneurysm (weakness or bubble in the hose), and bleeding disorders, to name a few.  Hemorrhagic strokes are more serious, as in addition to the area of ischemia, the excess blood in the brain will have to be evacuated either through surgery or resorbed by the body (slow process).  Again, recovery depends on amount of damage done and the location of the bleeding. 

A “mini-stroke” is termed transient ischemic attack (TIA).  A temporary block of blood flow occurs without permanent damage.  Symptoms may include numbness, tingling, weakness, speech or vision difficulty, and/or difficulty understanding others.  As the damage is not permanent, the TIA does not show on imaging.  Symptoms typically resolve within 24 hours.  The takeaway for you, your family and your business: surviving a severe stroke results in a complete lifestyle change and permanent impairments; minor strokes and TIAs are survivable and should require lifestyle modification (diet, stress, etc).
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5/14/2020 1 Comment

Dementia

The definition of dementia: a group of thinking and social symptoms that interferes with daily functioning.  Memory loss is at the forefront of symptoms.  There are several kinds of dementia, but the most common in Life Settlements includes frontotemporal dementia and ALZ.  ALZ causes about 60-80% of dementia cases.  Both are caused by damage to brain cells and affect communication, thinking, behavior and feelings.  ALZ is currently felt to result from deposits of amyloid material (proteins), disrupting the brain signals.  Some of the earliest symptoms are getting lost while driving in familiar places and loss of the ability to keep track of complex matters such as finances.  Later stages report the loss of understanding in using everyday items such as cell phones, microwaves, and the remote controller.  New information becomes difficult to retain and in late stages, impossible to retain. 
 Medical doctors utilize simple in office screening such as the MMSE (mini-mental state examination), SLUMS (St. Louis university mental status exam) and MoCA (Montreal cognitive assessment).  Each test asks the patient to do specific tasks, such as word recall, two stage commands, spelling a word or counting backwards or serial counting, and often drawing a clock.  These tests are helpful in discerning loss of cognitive function, but not always accurate on indicating the severity of loss.  Neuropsychological evaluation can accurately identify dementia versus ALZ type dementia, or the likelihood of development.  Treatment centers around safety and security; medication and brain exercises (puzzles, games, etc) are often helpful.
 Mild cognitive impairment demonstrates forgetfulness that does not interfere with ADLs.  Per the Mayo clinic website, it is the stage between the expected cognitive decline of normal aging and the more serious decline of dementia.  Forgetfulness, word finding delays, focus problems, struggle with complex tasks (bill paying) are common symptoms.  Mild cognitive impairment may or may not progress to a more serious impairment.  Depression may contribute to both dementia and mild cognitive impairment.   
 Facts found on the alzheimers.net website indicate ALZ is the sixth leading cause of death in the states.  It is estimated 1 in 10 persons over age 65 has ALZ.  Shockingly 1 in 3 seniors will die of some sort of dementia.  There was an increase of ALZ deaths between 2000 and 2014 by a staggering 89%.  ALZ and dementia are not going away, they will continue to increase and contribute a large part in the Life Settlement Industry. 
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5/5/2020 1 Comment

Streams and Rivers

The central nervous system (CNS) consists of the brain and the spinal cord.  If the cardiac system is like a car, the central nervous system is like a mountain lake with lots of run-off rivers and streams.  The CNS runs the body, voluntarily like when we take in a deep breath and involuntarily, like how we breathe while we are sleeping, or how respiration continues during loss of consciousness.  There are 12 cranial nerves, designated as CN with a Roman numeral listed to depict the specific nerve.  They are the rivers that extend from the base of the brain (midbrain, pons, medulla).  These nerves connect the brain to the eyes, mouth, ears and other parts of the head, providing motor, as in movement of the eyes and tongue (CNIII, IV, VI), sensory as in smelling (CNI), or a combination of both motor: for chewing and sensory for the sensations in the face (CNV).  Trigeminal neuralgia is a chronic condition causing intense pain in the face often stimulated by chewing; it is a disorder of CNV.  Bell’s Palsy is a painless distortion of the face due to CNVII involvement.  ​

There are many more CNS disorders than the two mentioned above.  As the rivers and streams travel away from the brain and spinal cord, the flow of water (nerve conduction) may be obstructed.  The decrease in the flow may be progressive, caused by a loss of structure or function of nerve cells, and therefore, degenerative.  Motor neuron disease is one type of disruption, and as you may have guessed, it involves motor function.  The neurons (nerve cells) generate and die and slowly the muscles become weaker, eventually leading to paralysis.  These diseases are incurable and most often affect the older population.  Amyotrophic lateral sclerosis or Lou Gehrig’s disease (ALS, 2 in 100k) and Parkinson’s disease (1,900 in 100k (>80 yrs)) are in this category.  ALS is the most common lower motor neuron disease.  Progressive and degenerative, ALS will lead to respiratory failure (due to paralysis) and require ventilatory support.  The ALS Association lists average survival times at three years, with 5-year survival at 20%, 10-year at 10% and 5% will live 20 years or longer.  Longevity will depend on the speed of disease progression.  Atypical cases generally have slower disease progression and thus longer life expectancy.  Many of the cases I have seen through Life Settlements have a slower progression. 

Parkinson's disease often begins with a tremor, evidencing loss of motor control.  Characteristic progression includes lack of facial expression (flat affect), slowness, and balance problems with frequent falls.  Dementia may also occur.  Ultimately, the disease will leave a person confined to a wheelchair or bed bound.  Treatment consists of medications and at times brain stimulator implants.  Longevity depends on the rate of progression and treatment response.  Slow progression can occur over twenty plus years.
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4/28/2020 0 Comments

Clear as mud? The Complexities of the Cardiac System!

Is everyone clear on the cardiac system??  If not, read on!  My intent is to simplify the cardiac system and the impairments that are commonly seen in Life Settlements.  In an effort to simplify the anatomy and function, I am going to compare the heart to a car!  Think of the heart muscle or myocardium (myo=muscle) as the car.  The coronary arteries feed the muscle and are like the fuel lines, if they become clogged, the car will not operate properly.  This is called coronary artery disease (CAD), and if severe, may cause a heart attack.  Procedures to open the lines include the very invasive coronary artery bypass (CABG) or if the lines are not clogged too badly, a percutaneous angioplasty (PCI or PTCA) with or without stents.  The car can also get dents, dings, fender benders or more serious damage, and possibly still drive.  The cardiac muscle injury is called cardiomyopathy and can occur from toxic medications, chronic uncontrolled HTN, chronic uncontrolled atrial fib, valve problems, sarcoidosis, or amyloidosis (and others), and still function, but not as well.  The ejection fraction (EF) measures function or loss of function in the heart.  Medications can improve the function just like body work on a car…to a point.  If the frame is bent, the car will limp along and if the myocardium is seriously diseased, the individual will be significantly impaired.  

Inside the car are four “seats”, R and L atria and ventricles (the drivers side is the on the right).  The seats pass the blood from R front to back, then to the lungs, like the drive thru for carryout (oxygen) and from L front to back (then to the rest of the body with the oxygenated blood).  The seats are separated by valves and gaskets.  Just like in a car, if there is trouble with a valve, such as leaking, the function of the car will not be optimal.  Shortness of breath (SOB) is a common symptom of severe valve leak.  Procedures to repair the valves include a full replacement which requires pulling the “engine” or a trans-catheter repair or replacement.  These procedures are highly effective at eradicating the valve leaks.  Instead of the blood flowing through the seats, the front and back seats can also develop blood clots (not good).  If a clot develops in the drivers’ side, as often happens in the case of atrial fibrillation, the clot may break off and lodge in the one or both lungs as a pulmonary emboli (PE).  Passenger side clots can disengage and reach the legs causing deep vein thrombosis (PE, DVT) or the brain causing a stroke (CVA).  This is why atrial fib is treated with a blood thinner, an anticoagulant, to prevent the clots from forming.   

​There are times when cars simply wear out, like heart failure.  The heart is not able to pump strongly enough to move the blood to the lungs for oxygen or to the rest of the body.  If the failure occurs on the driver’s side (diastolic), there will not be enough blood going to the lungs; fluid will build up in the lungs and cause shortness of breath.  If the failure is on the passenger side, called systolic heart failure or congestive heart failure (CHF), fluids can build up in the legs (edema).  When the car is not damaged too badly, it may be drivable.  Same with the heart, medications can be used to enhance the heart pump and promote diuresis (urination), thereby decreasing symptoms and restoring function.   

In other words, many cardiac problems are very treatable, including a transplant when necessary.  The takeaway: treatment effectiveness and transplant candidacy hinge on age, response to treatment and comorbidity.  

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4/22/2020 0 Comments

Take care of yourselves! The Effect of Diabetes on Longevity

Most people today are aware of what diabetes is and how it is treated.  The formal name is diabetes mellitus, now commonly called diabetes (sugar diabetes in the dark ages).  Diabetes occurs when the amount of glucose in the blood exceeds the amount of insulin produced by the pancreas.  Insulin is a hormone responsible for assisting the glucose into the cells to be used as fuel.  Type I insulin is also referred to as juvenile or insulin dependent diabetes; the pancreas no longer produces insulin.  Type II is more common and easier to treat; the pancreas is not producing enough insulin.   

Awareness and improved medications (including insulins) have made living with diabetes much easier.  Insulin administration and glucose testing have also drastically improved; the insulin pump and continuous glucose monitors simplify the lives of Type I diabetics.  The problem often lies with persons not embracing a restrictive diet or improved exercise regimen.  When diabetes is not controlled, complications result.  Diabetes affects the basement membrane in cells.  Poorly controlled diabetes can deteriorate the vascular system (vasculopathy), eyes (retinopathy), renal function (nephropathy) and nerve receptors (neuropathy).  Ultimately complications may cause blindness, renal failure, and even gait disorder, due to advanced neuropathies.  Vasculopathy complications will negatively impact a heart that is already impaired with coronary artery disease.  This shows why the combination of diabetes and previously existing vascular disease will increase the mortality multiplier.  As poorly controlled diabetes continues to affect quality of life, the life expectancy will continue to deviate from standard.  

​Mortality of both type I and II diabetes has steadily improved since 1980.  Of course, the most important information when underwriting diabetes is the control of the glucose and the affect complications are having on ADLs (activities of daily living).  Levels of glucose control in the past simply revolved around lab analysis of the glucose level; for accurate levels, the person tested had to be fasting.  In the 1980s, testing advanced to include hemoglobin A1c (A1c for short) which gave the average glucose level for the past 2-3 months.  This was especially important because a single glucose level would be impacted by that days dietary intake only, but an average level gave a very real representation of what the actual glucose levels were.  The control will affect the complications and the complications will affect the aging process and therefore longevity.

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4/1/2020 0 Comments

Working from home…Are we having fun yet?


Hello, everyone! You may have already learned that the changes in work environment due to the quarantine probably require more flexibility and open-mindedness than originally expected!  Having spent many years successfully working from home, I thought I could offer a few tips and tricks I learned the hard way! 
 
​
First things first, GET DRESSED!!  You wouldn’t go into the office in your pajamas, would you??  Get dressed!  That doesn’t mean you have to be in a suit or wearing pantyhose, but it does mean you should be presentable if someone should see you.  Plan your work and work your plan.  Sounds simple, and yet…!  We are all tempted to sneak off and watch Netflix or engage in some other distraction.  Plan your work with breaks, just like you would at the office.  Coffee break at 10?  Instead of using the opportunity to veg in front of the TV or play mindless games on some other device, take a walk.  If you see your neighbor, they may admire your wearing apparel as you take that walk through the neighborhood.  It is a good chance to connect to another living soul while practicing social distancing.  
I have a love-hate relationship with my petulant printer / sinister scanner, and don’t even get me started about the fax.  Funny thing, swearing or conversely begging and beseeching gets me absolutely no-where.  All my ministrations and pleadings fall on deaf ears.  Same thing with idle threats.  I know those of us who are married, can relate.  Take my husband for instance.  He is the rock solid, analytical type (love truly is blind).  In fact, I have never seen my husband launch a printer off the back deck!!  When I do that, he looks at me like I have three heads!  He tells me I must “lighten up” (GRRR).  Don’t tell him this, and I will call you a liar if you repeat this, but I secretly know he is right.  If I want to successfully work from home, I actually have to act like an adult and not scream at the printer “I hate you!” (sadly, a true story).  It helps me to focus on breathing AND focus my attention on something else, by taking walks or at least staring out the window…stare at anything but electronics.  Remember, in the place formerly known as the office, we had human interaction (be that as it may).  Get to know the birds, and even your neighbors, as long as you keep social distance with both.  
​

As the days progress to weeks and the weeks to months, the added stress will decrease longevity and increase OUR mortality if we are not careful!  Not good.  It is important to remember our track record as an industry, proves we are a resilient bunch.  We survived and thrived the AIDS epidemic.  Our industry was there to help finance continued treatment for insureds.  Science in time solved the problem, and the impact today from a formerly fatal disease is minimal.  We survived the 9/11 uncertainty, again, offering hope to many.  We survived the financial reversals of 2008, liquefying assets to help those in need.  Phil and I survived our dilemma in 2013, like now, surrounded by love and support from the industry.  This too shall pass, but we must hunker down, stay positive and keep supporting those in need…and wash your hands!

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3/25/2020 0 Comments

Making sense of new cancer treatments

Research in the field of oncology has excelled in the last fifteen years.  The use of targeted agents (generic drugs end in -mab and -mib) has revolutionized the treatment of late stage cancers.  Targeted therapy chemo attacks specific cancer.  Gleevec, Tarceva and Sutent are common treatments.  Immunotherapy drugs stimulate the user’s immune system to recognize cancer cells as foreign bodies and attack these cancer cells.  If you search the internet for immunomolecular therapy, you will see an impressive number of companies manufacturing or endorsing new products.  Per Issels Immuno-Oncology website: The state-of-the-art, non-toxic immunotherapy cancer protocols… are designed to restore the body’s own complex immune and defense mechanisms to recognize and destroy cancer cells…

The FDA approved of nivolumab (Opdivo) in 2015.  At first the treatment was used for Stage IV melanoma, but the treatment range has expanded to include renal cell cancer, lung cancer, head and neck cancer, colon cancer, liver cancer and even the very aggressive small cell lung cancer.  Other immunomoleculars currently being utilized are ipilimumab, atezolizumab, cabozantinib, and durvalumab to name only a few.  As the above advertisement mentioned, the immunomolecular treatment is much more easily tolerated, and the likelihood of continuing the treatment is much greater that with more toxic agents.  Of course, unfortunately, these advanced treatments may not work in all cases.  A particularly aggressive form of leukemia, acute promyelocytic leukemia (APL), had a likely life expectancy of less than ten months, in fact, usually two to three months.  Clinical trials from the mid-nineties involving old treatment plus new drugs speculated that 75% could attain permanent remission.  It will take years to compile statistics on the impact these new medications will have on the mortality rates for the impairments regularly and frequently seen.  But these new and highly effective treatments must be accounted for when predicting mortality.

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    Rita Loy, Managing Director and Chief Underwriter here at Polaris Underwriting Technologies.

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