Non-Lifey, here.
Do life insurance area factors take into account the pollution in the areas a person lives or works? I figure there are certain jobs that have pollution as a real mortality/morbidity issue. But would just breathing crappy air all day (not Beijing-level, but Houston or L.A., or 1970's Pittsburgh levels) require a boost in life rates? Thinking the same for Health.
I only ask because I was reading about how socioeconomic factors and education level affecting mortality rates, but I think it might actually boil down to the pollution levels. Better-off and/or smarter people tend to live away from known polluters and pollution areas. Less-off people can't afford to live in a less polluted area, and might need to live closer to their pollution-area job.
Google search shows a number of mortality studies based on pollution levels.
Do life insurance area factors take into account the pollution in the areas a person lives or works? I figure there are certain jobs that have pollution as a real mortality/morbidity issue. But would just breathing crappy air all day (not Beijing-level, but Houston or L.A., or 1970's Pittsburgh levels) require a boost in life rates? Thinking the same for Health.
I only ask because I was reading about how socioeconomic factors and education level affecting mortality rates, but I think it might actually boil down to the pollution levels. Better-off and/or smarter people tend to live away from known polluters and pollution areas. Less-off people can't afford to live in a less polluted area, and might need to live closer to their pollution-area job.
Google search shows a number of mortality studies based on pollution levels.
Life Insurane factors for air pollution in Living Area (home or work)?
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