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Routine chronic disease monitoring doesn't qualify under UHC's rules

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Even then, its still not great

As recently as the year prior, the Society of Actuaries had sponsored a panel discussion on using smoking as a risk factor, the general consensus being that this was totally impracticable in underwriting life insurance

It's an organisation that I think a lot of us have really admired and been part of, and the work they've done for the last 20-plus years has been remarkable at overviewing the science, the state of play of the science of climate change, the impacts, the vulnerability, and also of course the mitigation