A Health Risk Assessment (HRA) form allows a private insurer in Saudi Arabia to assess an individuals health and lifestyle. You have been tasked with drafting a memo to the CEO addressing how an HRA could help your insurance company.  Be sure to address the following components:

• Frequency and purpose of an HRA;
• Examples of questions asked on an HRA;
• The impact of an HRA on risk and premium cost;
• Negative implications of HRAs on those with chronic illness; and
• Best practices involving HRAs.

Your memo should meet the following structural requirements:

• The memo should be 5-6 pages in length, not including the cover sheet and reference page.
• Formatted according to APA writing standards.
• Provide support for your statements with in-text citations from a minimum of six scholarly articles.