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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.

By
  • Dr. Philip Smalley
  • Yunus Piperdy
One foot
In Brief
 
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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

Smalley_Phil2
Author
Dr. Philip Smalley
Senior Vice President (ret.), Global Chief Medical Officer, RGA
Pip Piperdy
Author
Yunus Piperdy
Vice President and Head of Underwriting Innovation Strategy,  RGA UK (ret.)

References

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