Understanding Mortality Improvement
There are a number of fallacies about how micro-longevity underwriting works that seem to pervade the marketplace. One that I hear far too often goes something like this: “Life settlements […]
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The Pernicious Fiction of Accurate Medical Information
Lately, in the life insurance world, the buzz is that electronic health care data will revolutionize underwriting. Someday…maybe, but not today. Why? Because much of what’s taking place now is […]
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Investing in Life Settlements is Not an Ethical Quandary
Recently, an “article” (the piece was more of a personnel update) included a statement from a former employee of an investment firm concerning the “ethical aspect” of life settlements. The […]
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Estimating the Life Expectancy of Individuals is an Underwriting Exercise
It happened again, and it happens all the time. In a conversation with an analyst in the early stages of looking at the life settlement business industry as a whole, […]
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