Here’s an interesting one (talking about the implications of the implication – or, in other words, our Disruption Mapping tool):
GLP-1s (Ozempic) have the potential to break the life insurance industry – and maybe not for the reasons you would expect.
Life insurers can predict when you'll die with about 98% accuracy. […] Typically, underwriters- suspiciously sounds like undertakers-rely on a handful of key health metrics like HbA1c, cholesterol, blood pressure, and BMI to calculate your risk of dying earlier than expected (and thus costing them money). Those eagle-eyed readers among you have probably noticed something interesting already. Those same four metrics are exactly what GLP‑1s improve. Not just a little, but enough to entirely shift someone's risk profile within at least 6 months of using them.
The insurer sees a 'mirage' of good health and approves them as low-risk. […] If we assume about 65% of people who start GLP-1 medications quit by the end of year one, that creates a big problem. When someone stops the medication, they'll usually regain the weight they lost, and in two years, most of those key health indicators bounce back to their starting point.
Yep, it’s going to get messy.