Document 8aGEKOpv8KNyX2pDmE4vDwwk
FILE NAME Insurance Industry INS
DATE 1965 DOC INS071
DOCUMENT DESCRIPTION Transactions of The Assoc of Life Insurance
Medical Directors of America - TOC Guide to Professional Conduct & Appendix
AAA COURT REPORTINGREPORTING
14 DEPOSITION
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ANNUAL ANNUAL MEETING
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CONTENTS OF VOLUME XLVIII
Executive Officers
Council and Former Officers ......ccscacaeane
Officers Officers e cence rece eae Guide to Professional Conduct ......6.ccc
Remarks by Paul I.
Robinson M.D.
.....
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Opening Insurance Medical
Research Fund ...-.c0.c cr aercceseereeetas
Insurance Medical Research Medical
Page
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12
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14
in Medical and Insurance Relations ......-.....
18
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45
Mental SpaceCondColioneltUiSonAsF MC Douglas
of Astronauts During and Im-
Space Flight
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ene
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59
of Electrocardiograms Cardiograms
Electrocardiograms by Telephone .. 83
96
Electronic InsuranceGreenfield Insurance
118
Manuel
M.D.
Greenfield
M.D. eee
164
Joseph C.
Jr. M.D.
Agents C. Hypoglycemic
in Urine
177
ee re a a a i 2
182
Re
ee
Ph.D. ae 186
Applicants Baek
Oe Ee ORD dee Ph.D.
191
Applicants Ph.D.
Johnson Jr. Ph.D.
197
DC Brereton :
DC eee nse eennwe
DC
M.D.
Wave Changes in the
POO
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210 235
251
M.D. , * i
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263 wavaeeeecres | 263
tae revere
257 258
261 264
GUIDE TO PROFESSIONAL CONDUCT
to of The Association of Life Insurance
The Constitution
the Executive Council to
Mcoendsiicdaelr aDinrdecttaokres acetmipoonwweirtsh respect tocoqunedsutcitonosf wmheim c- h
may arise concerning the profescseirotnaailn disciplinary pow-
bers
The
Constitution
grants it determines
that
professional
ers to the Council in case Although the Constitution
misconduct
has
occurred
what is meant by professional
does not define exactly
member has pro-
misconduct it clearly implies that a
to his
fessional
responsibilities to
the
public
at
large
Every mem-
and his professional associates
the
employer
of the
Association
will
be
guided
not
only
by
ber
accepted principles
principles
of
medical
ethics
of
his country but
approved by
also by the following additional principles
the Council
conscientious effort to
member
shall
make
a
medical
knowledge
and
1. The
improve the application of
skills to the field of insurance medicine
is encouraged to participate in the ac} 2. The member local medical organizations
tivities of his
shall avoid solicitation of business or
3. The member
for his employer by representing
other advantages
or comparison as possessing
himself by implication
underwriting ability or
unique
unusual
or
superior
reasonable
doubt
of
the
truth
knowledge when there is
of such representation
render his services under terms
4. The member shall not
or tend to impair exercise
or conditions which impair
performing of sound medical judgment
shall assume his rightful share of re-
5. The member
handling of all confidential
sponsibility for the proper
of his employer
medical information in possession
his professional duties the member
6.
In
shall
be responsible not only to his employer but also
to the interests of society in genienrdaulstbryy sausppwoerltlinags
the activities of thoef icnlsiunriacanlcemedicine designed to
those in the field the health of the people and by
mparionmtoatiinnganhdigihmpqruoavleity life and health insuranceinsufrancoe r (If
the public
whit %
Py
ts As,
4,
re
tees
vectory
It take
HISTORICAL HIGHLIGHTS OF ALIMD
1889-1964 Transactions (
The formerly Proceedings ) of the
Insurance Medical of Life
Directors of America both Arsesfoleccitatainodn
affect the evolution of life insurance medical selection
past 75 years Following are selected
during the
highlights of that history
charter insurance . ALIMD was founded by 34
life companies They adopted a briefmembers representing 27
constitution Article 2
states It ALIMD has for its object the
science
applied to life
promotion of medical
members
presentation of
by personal intercourse of its
papers discussion and such other methods
of thegeneral interests of life insurance
Dr. John M. Keating at whose suggestion the Association was
organized was elected its first president
1890-1900 Discussions at annual
meetings were largely clinical
dealing with morbidity and death rates No
of degree of increased
accurate knowledge
mortality among impaired lives was offered offered
1890 First annual meeting
which indicated One scientific paper was presented at the first annual
Bernacki's Influence
meeting
on Longevity of the Use of Large Quan-
tities of Beer It was based on a study published in Germany
that brewery workers who consumed unusually
large quantities of beer showed heart damage especially dilation of the right ventricle The author recommended that life insur-
_ doawmnenctse companies take risks on brewery workers only on short en-
dowments and not at advanced ages The paper concluded that
Chapter in Ungerleider and Philosophy 12
of Life Insurance Medicine by Harold M.
and Gubner's Life Insurance and
Charles C. Thomas Springfield Illinois 1958 is gratefully wledged as an invaluable resource in preparing this survey
279
280 SEVENTY-THIRD ANNUAL MEETING
moderate but leohetic the SEVENTY SEVENTY THIRD THIRD ANNUAL
280
inSEVENTYSEVENTY SEVENTY
ANNUAL MEETING MEETING MEETING
was the wasnot deleterious
} TUE they
deleterious but
|
that
moderate large
beverages Stebbins Practical j
Insurance InsuranceStebins Stebbins
uniform uniform
Build milestone .; the
literature
literature
it
was
_ impossible " in his ppaappeer r
down
Buildas Factor Factorin Influencing Influencing the scientific scientific investiga- investiga-
medical medical
selection Rogers Rogers postulated ( risk
proportion degree of overweight underweight
underweight overweight overweights
;
overweights
overweightsde- ; de-
ss |
grad tables grad
st men al
st rein. Such st
- instrumen substan healt . substan Si substad
physi Si:
Blood abo
abo
a physi
discussio abe
strument ia
Co
o
Results Co
th average
o
average
broadened
broadened was based
combined combined risks mortality mortality
mmoortalrity tmaloirttyamlortaliity teyxperienexcpeerienceexperience with relatively
the
.
first
ks (occupational,
SClentific investiga-
experience with
relatively
medicine and stimulated company and intercompany
studies MAMIalso compiles new height and weight age and sex based upon 220,000 policies issued
almost 137,000 policies issued to women These
modification iin n 1959
improvement mane
repeatedscienceand
in gen-
po
MnS
issuing PRP
mortalitoyf
insured
insured
lives
life have been
EIR Medical
a
eae
thine diastolic and Rey as part of and
a
insurance were not generally used
she
-
blood She
blood pressurepprreesssuurree and pressure measuring in-
discussions colmene
struments
culminated culminated
in x
1925withthe
by the Joint
Investigation VeRO policies
nyes
enNE
ampe
GAM
eee
=
ce
r
Seen
MEE
12 life companies The Committee also pub-
this on occupational mortality ratings based on the by study and other published experiences
Thirty
about
medical impairments the Medical Impairnine life companies contributed the data
2,100,000 entrants
divided into three sections dealing with 1 including family history of tuberculosis:
relation to build and 3 mortality on policies
medical impairment section with nearly
several extensive studies by the Joint M
these
numerous individual company investigaBthese were the series on impaired lives
ap lication of modern clinical concepts to problems
more pronounced over the years
an increasing proportion of clinical overriding interest were specialized
Prominent among these were blood
significance see above glucose toler-
Selecting Risks
Glycosuria 1924
acceptable for standard insurance
ae
ee
unitbee
unitbee
npairnpair
npair
nis nis
licies
early
Us
The
sad
A iga-
ires
a
APPENDIX
283
in succeeding years describing various
papers followed experiences Some
Numerous company mortality individual and stating
tests companies analysis adopted the
of capillary rather than venous blood samples in the field for
companies Techniques of collecting
blood the home office laboratory were developed The
transmission to
to be accepted as an invaluable
has Tolerance Test
come
Glucose Glucose
the insurability of persons having glycosuria
meansof evaluating
Electrocardiography Lambert In discussing a paper by
on Myocardial De-
1928 and Coronary Thrombosis Cook observed that medical
generation soon employ electrocardiograms to a greater ex-
directors would
Widespread interest in electrocardio-
fent in medicaalisdienlmeecdtiiconal selection began to develop around 1930
graphy as an
Fellows read before the Association
In 1931 papersobny aTasyulbosrtaanntidal number of applicants studied by
cach
reported
electrocardiogram
citing
the
value
of
electrocardio-
means of the
The use of the electrocardiogram
in medical underwriting
grapmhayrkedly intensified during the 1930s and continued to engage
outstanding papers pre-
wthaes interest of medical directors Many dealt with its technic
sented to members of the Association have
and application to medical underwriting Note-
Practical
interpretation
Pardee's The Theory and
worthy among these were
Insurance 1933 ;
in Life
Electrocardiogram _ Application of the
and the Inter-
Wilson's Recent Progress in Electrocardiography
1937 ; Bonnett's
Electrocardiograms of BorderlineBorderline
on One Method of Underwriting the Electrocardiograph
proposed proposed method of rating various features of electro-
Wilson's The Precordial Electrocardiogram
Studies of Isolated Electrocardiograph T-
" Double 1_ 955 by Kiessling Schaaf and LTeyxlte iT n hthee
Exercise Standard Step
Coronary Disease 1956 by Robb Marks and
Brought Test Master
Electrocardiographic Two Step
and Rosenfeld 1959 ; The Exer-
in the Detection of Coronary Disease by ;
)
Frequency Electrocardiography High
insurance medicine closely
In The ray in Tuber-
the attention of ALIMD
by Cole dealt with The
Latent Clinical Pulmonary
p^per by Miller reemphasized
of lungs In 1927 ray configuration and size of the heart
referred to in a paper
The value of this pro-
paper by Nichols De-
: relative merits of
teleoroentgenogram were com-
practical for life insurance
technic the ray exami
least 6 feet was outlined
dealt with recommended
enlargement notably
Study of the Transverse DiaPrediction Table based on the
remain an invaluable