1. Per-capita levels of opioid dispensing are predictive of county-level group life mortality experience.
2. Area-specific group life mortality risk can vary by age. As a result, carriers may misprice group life insurance for cases where the age distribution differs from average.
From 2010-2017, midlife all-cause mortality rates increased by 6%. A major contributor has been an increase in mortality from specific causes (eg, drug overdoses, suicides, organ system diseases) among young and middle-aged adults. How does this trend affect group life mortality?