Also, we cannot generalize on the basis of ONE study. What supporting studies have been made? What contradictory information is there? Are we to assume none? Science doesn't make assumptions. If there is no further data, apart from this one study, then the study is not complete.
That is the nature of science and that is why I would say take the results with a grain of salt i.e. extreme caution.
ALSO, having worked for an insurance company, there needs to be a declaration of BIAS. Of course, it helps to sell policies when studies are generated to increase fear of risk. That is the nature of insurance for risk averse populations. If there is no fear of risk, there is no premium!
I'm done for now - I'm distracted by the smell of chicken dinner.