Description: The rapid economic development of Asia has ushered in profound lifestyle changes, particularly in urban centers. Increased disposable income, urbanization, and the proliferation of convenient food services have contributed to dietary habits associated with elevated health risks. Among these, insulin resistance (IR)—a metabolic condition linked to diabetes, hypertension, and cardiovascular diseases—has emerged as a critical yet underrecognized threat. IR is also strongly associated with an increased risk of dementia, particularly Alzheimer's disease and vascular dementia. For life and health insurers operating in markets such as Greater China and Southeast Asia, traditional underwriting methods face significant challenges in accurately assessing these evolving risks. This article investigates the limitations of conventional approaches and explores the potential of continuous underwriting methodologies to better align risk assessment with dynamic lifestyle factors.

Description: As a college student decades ago, and now as an educator for more than a decade, I have always felt that the greatest challenge, both for myself and for my students, was the human limitation of how to learn more efficiently and master an ever-growing body of knowledge. The pride and sense of accomplishment that come after hundreds, if not thousands, of hours of study and practice have long been part of what defines us as professionals.