Skip to Main Content

Knowledge Center

Products and Solution Development

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 (

Download "One Foot in the Grave"

The Authors

  • Dr. Philip Smalley
    Senior Vice President (ret.)
    Global Chief Medical Officer

    Send email >
  • Yunus Piperdy
    Bsc, FCII
    Vice President and
    Head of Underwriting
    Innovation Strategy 
    RGA UK
    Send email >


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