# Life Expectancy Underwriting Record Review > Medical record review for life expectancy underwriting. Impairment extraction, condition progression, duplicate-free page counts on elderly-insured files. Canonical page: https://medrecords.ai/solutions/life-expectancy-underwriting-review/ --- [Home](https://medrecords.ai/) ›[Solutions](https://medrecords.ai/solutions/) ›[Life Underwriting](https://medrecords.ai/solutions/life-disability-underwriting/) ›Life Expectancy Underwriting Review LIFE EXPECTANCY UNDERWRITING REVIEW ## Twelve hundred pages, five providers, one mortality multiplier. Life expectancy underwriting review condenses an elderly-insured file, often 800 to 2,500 pages across five providers, to the impairments a debit manual acts on, each one cited to its source page. Because duplicates are free, an EHR export that is half repetition costs half as much to read. [Test a file ](https://medrecords.ai/test-a-file/?src=life-expectancy-underwriting-review) [Book a demo](https://medrecords.ai/demo/?src=life-expectancy-underwriting-review) Click any row → the source page it cites Impairment read · Case #IME-4812 cited 100% Adams, Timothy · insured file production 342 pp / 2 packets received logged 11 duplicate pages removed free 7 visits improving since 4/02 trended p.140 — wrong patient quarantined Pages 342 Billed 331 Cited 100% ### The multiplier is an opinion. The deaths are not. We do not build for a case type until we can name the standard that defines a correct output and the person who grades the file against it. Life expectancy underwriting has the plainest referee on the map: the insured either dies or does not, and somebody publishes the ratio. That is why we work on the input rather than the opinion. The debit manual belongs to the underwriter. The 1,650 pages it has to be applied to are ours to organize and cite. The rulebook and the referee The rulebook - The 2015 VBT and 2008 VBT base tables, against which a mortality multiplier is expressed - ASOP No. 48, Life Settlement Mortality, governing the actuary's judgment - AM Best, Rating U.S. Life Settlement Securitizations: at least two independent medical underwriters per insured, and fresh underwriting where prior life expectancies are more than 12 months old - Each provider's own older-age table and debit manual - The NAIC Viatical Settlements Model Act, as adopted state by state The referee - Mortality itself. The insured either dies inside the window or does not, and there is no arguing with the result - Third-party actuaries, who compute an actual-to-expected deaths ratio per provider and publish it - A 2025 study of 4,378 reports found one provider predicting 648 deaths against 203 actual, an A/E of 31%, with life expectancies running roughly 31 months short - At the other end of the published range, an underwriter claiming a 101% A/E ratio Life expectancy reports run $250–$400 retail and $500–$1,500 institutional, with APS retrieval adding $50–$150 per statement Flat 10¢/page here, duplicates free File profile · Case #IME-4812 cited 100% Production342 pp / 2 packets · 11 deduplicatedlogged ImpairmentsExtracted, dated, page-citedcited Condition trend7 visits improving since 4/02trended Repeated pages11 removed before billingfree Co-mingled pagep.140 belongs to another patientquarantined 331 pages billed · cited 100% · no life expectancy issued What the file actually looks like ### Half of it you have already read. An elderly-insured file is never one production. It is an attending physician statement per treating provider, an EHR export per system, plus whatever the policy owner already had on hand. In practice that runs 800 to 2,500 pages, with a working midpoint near 1,650. What makes those pages hard is not their length. It is degraded fax scans of older office notes, handwriting in the margins, and EHR exports where the same problem list, medication list and vitals block reprint on every single encounter. Two productions from two providers frequently contain the same hospitalization twice. The volume is real. LISA reported 2,955 completed member transactions in 2025, $626.6M paid to consumers, an average payout of $212,066 against $24,360 in cash surrender value. Because at least two independent underwriters read each insured, and stale life expectancies get redone, we estimate roughly 35,000 to 40,000 life expectancy reports a year sit behind those few thousand closings. Here, repetition is not billable. Duplicates come out before the page count does, so the half of the export that is repetition costs nothing to read. What we'd build with you ### Four steps, starting with one real file. 01 #### Send one real file One insured's production exactly as it arrived: statements, EHR exports, faxed office notes, duplicates included. In the demo case, 342 pages across 2 packets, with a wrong-patient page caught before the read started. 02 #### We return the read Impairments extracted and dated, the clinical trend across visits, the duplicate count, and the page range behind every line. You compare it against the read your underwriters produced from the same file. 03 #### We scope the build Your intake shape, your impairment vocabulary, your output template. If what you need is a signed life expectancy or a mortality multiplier, that is not buildable here and we will say so on the call. 04 #### You run it Your underwriters and medical directors work the read, apply the debit manual, and sign the opinion. Adjacent files run the same way: an [APS medical summary](https://medrecords.ai/solutions/aps-medical-summary/) at new-business intake, a [contestable claim record review](https://medrecords.ai/solutions/contestable-claim-record-review/) after a death claim. Audit trail · Case #IME-4812 exportable 08:12Production received · 342 pp / 2 packetssystem 08:3111 pages deduplicated · not billedsystem 08:44p.140 flagged — wrong patientsystem 08:54Impairment read complete · cited 100%system 09:20Read reviewed · citations verifiedreviewer 09:26Read exported · life expectancy written off-platformunderwriter Every access logged · file deleted 30 days after delivery Why Medrecords AI ### The rules the platform never breaks. EVERY LINE CITED CASE #IME-4812 · ADAMS, T.342 pp 2/14 — ER visit, right knee p.4 4/18 — arthroscopic surgery p.61 p.140 — wrong patient quarantined Medrecords AI Read every page · cite every line #### HIPAA, under a signed BAA Every file is handled under our Business Associate Agreement, from the first byte. #### Never trains a model Your records are never used to train any AI model — ours or anyone else's. #### Every line cited If we can't cite it, we don't say it. Every sentence links to its source page. #### Deleted after delivery Files are deleted 30 days after delivery, with a full audit log of every access. Powered by the platform ### Four capabilities behind every underwriting read. The life expectancy underwriting read is one deliverable of the same platform that reads, deduplicates, and cites the whole record. [ #### Medical Summary Reports The impairment read lands in your own underwriting template, in your own vocabulary, ready for the debit manual. IN ACTION · 342 pp → one cited summary, your template ](https://medrecords.ai/product/summaries/) [ #### Condition Progression Tracking Whether an impairment is worsening, stable, or improving across encounters, shown as a dated trend rather than a single snapshot. IN ACTION · 7 visits improving since 4/02, each page-cited ](https://medrecords.ai/product/condition-progression-tracking/) [ #### Medical Record Deduplication Repeated problem lists, reprinted vitals blocks, and the same hospitalization arriving from two providers, all collapsed before the page count. IN ACTION · 11 duplicate pages removed, none billed ](https://medrecords.ai/product/medical-record-deduplication/) [ #### Medical Table Extraction Lab panels, vitals grids, and medication tables lifted out of the scan as structured values, so a clinical metric can be read as a series. IN ACTION · scanned tables → dated values, each cited ](https://medrecords.ai/product/medical-table-extraction/) FAQ ### Life expectancy underwriting, answered. No. The life expectancy report and the mortality multiplier behind it are the underwriter's product, signed by the underwriter. We read the file underneath it: the impairments, the treatment history and the clinical trend, each line cited to its source page, so the debit manual gets applied to an organized record instead of a 1,650-page PDF. It is an actuarial opinion on how long one named insured is likely to live, expressed as a median life expectancy and a mortality multiplier against a base table such as the 2015 VBT or the 2008 VBT. Providers, funds and tertiary buyers price policies off it. Our work sits upstream of that opinion: organizing and citing the medical record it is written from. By counting deaths. An actual-to-expected ratio divides the deaths that happened by the deaths a provider predicted over the same window, and third-party actuaries publish the result. A 2025 study of 4,378 reports found one provider predicting 648 deaths against 203 actual, an A/E of 31 percent, with life expectancies running roughly 31 months short. A cleaner source record does not fix a table, but it removes one class of input error. It helps with the reading, not the opinion. AM Best's criteria for rating U.S. life settlement securitizations call for at least two independent medical underwriters per insured, and fresh underwriting when prior life expectancies are more than twelve months old, so the same file is read repeatedly. We return one cited, deduplicated read that each underwriter can work from independently. The ASOP No. 48 judgments stay with them. No. Medrecords AI does not retrieve records from providers or facilities. You bring the attending physician statements and EHR exports you already hold, and the read starts in minutes from upload. When a file has to be re-underwritten because its prior life expectancies have gone stale, we re-read the production you already paid for rather than reordering it. ### Send one file. We'll tell you what we can read. No obligation. If the case type is buildable we'll scope it; if it isn't, we'll say so. [Test a file ](https://medrecords.ai/test-a-file/?src=life-expectancy-underwriting-review) [Book a demo](https://medrecords.ai/demo/?src=life-expectancy-underwriting-review) [Back to Life Underwriting →](https://medrecords.ai/solutions/life-disability-underwriting/) [See every case type we process →](https://medrecords.ai/solutions/case-types/)