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One Foot in the Grave

A growing number of underwriters are assessing mortality risk beyond the traditional maximum limit.

One foot 1

Underwriting beyond +400 extra mortality is uncharted territory for many life underwriters and medical directors. This article looks at why you might need to underwrite severely substandard lives and the major differences when it comes to underwriting impaired life annuities.


Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (www.ontherisk.com).



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The Authors

  • Philip Smalley, M.D.
    FRCPC 
    Senior Vice President (ret.)
    Global Chief Medical Officer

    RGA
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  • Yunus Piperdy
    Bsc, FCII
    Head of Underwriting
    Innovation Strategy 
    RGA UK
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Summary

 
Download "One Foot in the Grave"
  • functional impairments
  • mortality experience
  • mortality assumptions
  • mortality trends
  • substandard lives
  • impaired life
  • individual life
  • morbidity