Mortality Experience in the Elderly in the Impairment Study Capture System Thomas Ashley, MD, FACP; Clifton P. Titcomb Jr., MD; Anna Hart, MS; Richard Bergstrom, FSA, MAAA.

Aviation & Hazardous Sports StudyBT Roudebush, MAAA, FSA; AF Milano, MD, and AR Hart, MS) Journal of Insurance Medicine (New York, N.Y. 40(1):44-54, 2008.

Overview
Excess mortality from participation in Aviation and Hazardous Sports is conventionally believed to behave like a flat extra.  In order to verify or refute that belief, the Mortality and Morbidity Liaison Committee, (MMLC), used the Impairment Study Capture System (ISCS) to determine the impact on the mortality of insured individuals. The study will use the normal covariates and outcomes of interest, it is not anticipated that excess death rates will vary by all of the traditional underwriting variables.

For some though, differences in experience may be material and reflect real differences in risk taking behavior (e.g., Issue Age, Smoking). Traditional mortality ratios and excess death rates over the 2001 VBT are employed, with results stratified by traditional underwriting variables.

Since risk increases with exposure, it is fortunate that MIB codes stratify by annual hours flown, the most widely used basis for accident exposure. The study will stratify Aviation results by each of the following:

Aviation – pilot or regular crew member of conventional aircraft, helicopter or glider, 2 years.

• 0-100 Hours

• 101-200 Hours

• Over 200 Hours

• Hours unknown

The study will also stratify Hazardous Sports results by each of the following:

• Hazardous sports participation, 2 years.

• Motor vehicle racing

• Flying in other than conventional aircraft, helicopter or glider

• Underwater sports

• Other