The ForwardLiving Partnership is a proactive push to adapt the insurance industry to a stark new reality: more Americans in their 20s, 30s, and 40s are developing serious conditions such as diabetes, hypertension, and heart disease—conditions once associated with aging. Insurers are taking note, as these early-life diagnoses lead not only to higher claim volumes but also to increased disability and premature death across multiple lines of insurance.

If insurance companies are “concerned”, you should be watching their next move.