Linger thermo theory part II: A weight unbiased methodology for setting life insurance premiums

A nascent linger thermo theory is found to lead to a weight unbiased methodology for setting life insurance premiums. The approach is based on a theoretical adult lifespan realculated according to: τ = Δτ(M/ΔM)² where M is the adult´s mass, ΔM is the daily food mass (e.g., 0.4 kg for a daily 2,000 kcal diet of a M=70 kg adult) and Δτ is the duration of one day. Since τ is proportional to the ratio of an individual´s mass to the consumed food per day squared, i.e., (M/ΔM)², it predicts that the theoretical adult life expectancy of an individual can be weight independent as long as the ratio M/Δ M remains constant as he gains or loses fat. Most importantly, this 2010 theoretical prediction is supported by United States National Institute of Aging (NIA) rhesus monkey study results, first reported in a 2012 Nature journal article, which surprised and shocked the researchers when they discovered that higher weight (obese) monkeys had a similar life expectancy as lower weight ones. It is thus expected that the proposed premium acquisition method should improve on traditional calculations and actuarial tables that often presume that obese individuals have lower life expectancies.