Mortality and Morbidity Research and Underwriting Manual Development

The principals have over 30 years of experience performing protective value analyses, and researching and developing underwriting guides for life, long-term care, and income disability and critical illness insurance.

In fact, they have been the primary architects of two of the most highly respected life underwriting manuals in the industry, Lincoln National Reinsurance’s Life Underwriting Manual and ING Re’s Ascent Electronic Underwriting Manual.

Using an evidence based approach to quantify mortality and morbidity risk, the principals are able to put complex medical conditions into an easily understandable format that facilitates accurate, rapid and consistent underwriting actions.

They have developed expert underwriting modules to integrate multiple types of information in assessing the mortality risk of coronary disease, liver function test abnormalities, left ventricular hypertrophy and functional impairments in elderly individuals.

When you partner with IMRC for help with your research needs and manual development, you will receive state of the art analyses backed by years of experience, tempered by an understanding of your business needs, and communicated clearly and concisely.