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  • January 2011
  • 1 minute

One Foot in the Grave

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

  • Dr. Philip Smalley
  • Yunus Piperdy
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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.

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Meet the Authors & Experts

Dr. Philip Smalley
Senior Vice President (ret.), Global Chief Medical Officer, RGA
Pip Piperdy
Yunus Piperdy
Vice President and Head of Underwriting Innovation Strategy,  RGA UK (ret.)


Reprinted with permission of ON THE RISK, Journal of the Academy of Life Underwriting (