This is an interesting peice of information and is packed with facts about LEs (Life Expectancies).

Global Life Underwriting has published a white paper for the life settlements industry explaining the difference between morbidity and mortality in life expectancy reports (LER) and its significance in creating standardized LERs that can be relied on by investors.

We attached the PDF format of this report below, feel free to print and share with your partners and colleagues.

The paper goes on to state that the new 2008 VBT Relative Risk tables provide a reliable set of data from which to measure the impact of morbidity on mortality and therefore, has no need for the use of multipliers which are the cause of many inaccuracies for the life expectancy providers who use them.

The author is Howard S. Freedland, CSA

Download and View:
Morbidty versus Mortality (Life Expectancy Report)