We are a leader in life underwriting services and have an extensive proprietary mortality database with a particular focus on seniors and impaired risks.

Life Expectancy Underwriting

Longevity Data

Medical Record Retrieval


Our underwriters estimate the average number of years a person is expected to live based on their age, gender, lifestyle, smoking status, family history and medical conditions ("Underwriting Factors") found in their medical records. The life expectancy report includes the life expectancy estimate as well as the probability of mortality each year based on the insured's specific Underwriting Factors. We offer reports for both the secondary and tertiary markets.

Sample Standard LE Certificate Sample Tertiary LE Certificate Schedule A Consultation

Key Features

  • Full Mortality Curve

  • List of Primary Factors Impacting Insured's Life Expectancy


We underwrite using the insured's self-disclosed health history from a questionnaire or a verbal interview. Clients can provide us their own completed medical questionnaires and/or interviews or use our form below. This simplified process has been used as a screening tool for clients, particularly in assessing small face policies.

Sample Simplified LE Certificate Health Questionnaire Schedule A Consultation

Key Features

  • Use the Same Mortality Tables and Underwriting Methodology As Our Fully Underwritten Report

  • Quick Turnaround Times; Low Cost


ITM TwentyFirst maintains a proprietary senior mortality database. The comprehensive data set includes information on nearly 90,000 insured seniors, and allows insurers, researchers and life settlement investors to analyze the impact of various impairments, family history and lifestyle factors on senior longevity.

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Key Features

  • Actual to Expected Calculator

  • Wealth Effect Data

  • Information Optimal for Advanced Statistical Testing

  • Over 18,000 Observed Mortalities


Medical record retrieval begins with an analysis of all medical records for an insured in our database as well as those provided by the client. We avoid ordering medical records from physicians that are unlikely to have information that impacts an insured’s life expectancy, saving our clients potentially hundreds of dollars in copying costs.

Occasionally, facilities will reject the HIPAA authorization sent to them for medical records retrieval. In those cases we reach out to the insured to have the applicable authorization signed, whether it be an updated standard HIPAA or a facility specific authorization.

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Key Features

  • Team of Medical Record Specialists

  • Access to In-House Medical Underwriters