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Between 1960 and 2015, the average life expectancy of an American has increased from 69.77 years to 78.74 years, according to World Bank. That’s nearly a 10-year increase in the past 55 years! Consider the medical advancements across all kinds of conditions and treatments this represents. Further, consider that there are billions and billions of dollars poured into medical research annually. Clearly, the ways we treat patients and the way we view illness are constantly changing, but the question is: Are insurance policies keeping up with this rapid pace of change?

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