In an article published in the Journal of Insurance Medicine, Munich Re’s Dr. Tim Meagher explores the rising interest in biological age testing and the use of epigenetic “clocks” to assess aging and mortality risk. While these models offer valuable insights into population-level patterns, questions remain around how consistently they translate to individual outcomes.

For life insurers, established risk factors, such as age, medical history, and clinical biomarkers, continue to anchor underwriting decisions. Epigenetic clocks add minimal value. As multiomic biological clocks arrive, underwriting value may improve.