Sample parameters in the design of products:

• —
  Definition: aligned with social insurance definition, based on ADLs or similar criteria
• —
  Deferred benefit period: between 0 months and for example 5 years
• —
  Waiting period: 0-5 years, possibly graded by cause of claim, e.g. nil for accidental causes but 3 years for dementia
• —
  Premium payments: unlimited or for a fixed period
• —
  Claim payment period: unlimited or for a fixed period, immediate or deferred: payments as annuity, lump sum, or to cover defined costs

Dementia screening with the DWR (Delayed Word Recall) test:

• 1.
  Read the 10 words below and construct sentences incorporating each word.
• 2.
  Repeat the process.
• 3.
  Occupy yourself for 10-15 minutes with something else.
• 4.
  Recall as many of the words as possible.

Chimney, salt, harp, button, meadow, train, flower, finger, carpet, book

5-10 words: no symptoms 4 words: indication of incipient dementia 0-3 words: clear indication of dementia