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GLU offers CARAT™ compliant Life Expectancy Reports (LERs) and Policy Valuations (PVs)

LER - Life Expectancy Report: ($325) - Medically Underwritten life expectancy report
  - Designed to determine an insured's life expectancy based on the available medical records
  - Medically Underwritten utilizing the Underwriting Criteria Score (UCS) system
  - Shows the life expectancy calculated for each risk class
  - Detailed summary of medical risk factors
  - A Policy Valuation report can be added for $150  
      Standard Delivery: 10 Business Days or Expedited: 5 Business Days

PV - Policy Valuation Report: ($325) - Calculates a policy's theoretical value  
  - Matrix of policy values analyzing multiple IRR's for each risk class
  - Calculates optimized annual premium schedule 
  - Client can select any valuation date 
  - Measures price sensitivity for changes in IRR and health status
  - Easily integrates into a portfolio valuation model
      Standard Delivery: 10 Business Days or Expedited: 5 Business Days

Indicative LER ($200) - No medical records required  
  - Used to get a preliminary LE before a policy has been issued  
  - Used to update an LE on an existing policy without new medical records
  - Used for quick portfolio valuations
  - Risk class can be selected by client
  - A Policy Valuation report can be added for $150
      Standard Delivery: 5 Business Days or Expedited: 2 Business Days

Impaired Risk LER ($1,000) - For Insureds with significantly impaired health  
  - Based on extensive review of Insured's medical risk factors
  - Includes confidential telephone
  - Risk class can be selected by client
      Standard Delivery: 20 Business Days

Risk Assessment & Portfolio Valuation  
  - Call for more information


ADDITIONAL SERVICES
  - Expedited Indicative LER (2 business days) Add $50 
  - Expedited LER (5 business days) Add $100 
  - Expedited PV (5 business days) Add $100 

  - Additional Valuation Dates in PV: Add $50 
  - Upgrade from Indicative to LER: Add $175
  - Upgrade from LER to Impaired Risk: Add $800
 
  - Tele-interview (30-60 minute interview with one of our medical underwriters) Add $100



 



DISCLAIMER:  Life Expectancy Reports are not intended to predict the actual likelihood of a mortality event for an individual, but rather is a number or series of numbers that expresses the expected mortality of a large pool of individuals with similar medical and personal characteristics.  NO ONE IS AUTHORIZED TO REPRESENT OR WARRANT THAT A LIFE EXPECTANCY REPORT ATTEMPTS TO PREDICT THE ACTUAL MORTALITY OF ANY INDIVIDUAL.  Global Life Underwriting relies on several recognized sources of mortality data that in turn are based on independently accumulated and analyzed data.  The accuracy of Global Life Underwriting LERs is dependent on the accuracy of these underlying sources of mortality data.  Where appropriate and requested, Global Life Underwriting will perform a medical underwriting based solely on data provided to it by the requesting party. The accuracy, completeness and timeliness of the data will significantly determine Global Life Underwriting's ability to place an individual in an appropriate relative risk class which, in turn, will determine the projected life expectancy for that report.  All personal and medical data concerning the individual insured for whom a life expectancy report has been requested will be held in the strictest confidence consistent with all applicable state and federal laws including HIPAA.  Global Life Underwriting Life Expectancy Reports may contain confidential information and are intended only for the requesting party and other specific parties identified by a HIPAA release signed by the individual whose life was the subject of the Report.

2008 GLOBAL LIFE UNDERWRITING, LLC.   ALL RIGHTS RESERVED