how an HRA could help your insurance company?

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 4-5 pages in length, not including the cover sheet and reference page.
Formatted according to APA and Saudi Electronic University writing standards.
Provide support for your statements with in-text citations from a minimum of four scholarly articles. Two of these sources may be from the class readings, textbook, or lectures, but two must be external. The Saudi Digital Library is a good place to find these references.