Here’s a handy underwriting guide for interpreting GLP-1 mortality risk signals.
If you caught our recent webinar, Emerging clinical applications for GLP-1 receptor agonists, you know that these drugs are no longer only prescribed for type 2 diabetes or weight loss. Today, the presence of a GLP‑1 on an applicant’s profile should be treated as a prompt for investigation, not a conclusion.
A GLP-1 prescription is not a one-size-fits-all risk indicator
Mortality risk varies significantly by underlying condition. For example, long‑term, adherent GLP‑1 use for diabetes may be a favorable risk modifier, while GLP‑1 use tied to MASH points to a condition associated with elevated risks of cirrhosis and liver cancer, if not well managed. In other cases, such as obstructive sleep apnea, GLP‑1s are used as adjunctive therapy, signaling treated—not unresolved—risk.
Accurate mortality assessment now depends on confirming why the GLP‑1 is being used, how long the applicant has been on therapy, and whether use is consistent. The chart provides the reference, but it’s still up to underwriters to determine which diagnosis provides the risk signal. (Hint: Irix Medical Data is your friend!)
If you missed our live webinar, you can still register to watch the recording.
“A GLP‑1 on an applicant’s profile should be treated as a prompt for investigation, not a conclusion.”
