Author: Dr. Jyotsna Kamble

The Centers for Disease Control and Prevention emphasises that dementia is not just a specific ailment. It is a broad descriptor for the impairment of cognitive functions such as memory, thinking, and decision-making, which can disrupt daily activities. While dementia predominantly affects the elderly, it is not a natural mode of ageing process. Typical ageing-related changes are physical factors, like muscle and bone weakening, arterial and vessel stiffening, with some minor memory alterations, which tend to leave one’s accumulated knowledge, life experiences, old memories, and language capabilities unaltered. When underwriting new applications for a conventional life insurance policy, medical underwriters…

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