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Potential implications for insurers Insurers may want to consider the implications of AOMs for their business: Review trend assumptions to identify whether changes are needed Consider new lapse risks Assess how AOMs might affect underwriting and claims Establish processes to keep on top of this fast-moving space Reviewing mortality improvement assumptions An insurer's current mortality trend assumptions likely include anticipated improvements from drivers such as medical advances

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Soffer shares more advice about vitamin B12

Consistency over time matters more than perfect daily adherence

Vitamin B12 demonstrates anti-inflammatory and neuroprotective effects