One Foot in the Grave

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

Dr. Philip Smalley

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.

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

Meet the Authors & Experts

Author

Dr. Philip Smalley

Senior Vice President (ret.), Global Chief Medical Officer, RGA

One Foot in the Grave

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

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Meet the Authors & Experts