Bipolar Disorders: Converting Years of Life Lost to Mortality Ratios
Abstract
A publication in the British Journal of Psychiatry reviews years of potential life lost (YPLL) and life expectancy in bipolar disorders.1 YPLL is useful in some insurance products but not in life insurance underwriting, where the magnitude of risk is derived from the mortality ratio and subsequent debits, eg, a mortality ratio of 200% is approximately 100 debits.2,3 A method to convert YPLL into mortality ratios and appropriate debits for medical risk underwriting of BPD is discussed.4.
Fields of Study & Subjects
Insurance
Mortality
Demography
Risk Management
Bipolar Disorder and Treatment
Insurance and Financial Risk Management
Publication details
- Journal / source
- Journal of Insurance Medicine
- Volume
- 53
- Issue
- 1
- Pages
- 3–4
- Publication date
- 1 January 2026
- Language
- EN