A Health Risk Assessment (HRA) form allows a private insurer in Saudi Arabia to assess an individual’s 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 7^th edition writing standards.

-Provide support for your statements with in-text citations from a minimum of 6-8 scholarly articles.