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.
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.
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.
Four steps, starting with one real file.
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.
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.
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.
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 at new-business intake, a contestable claim record review after a death claim.
The rules the platform never breaks.
EVERY LINE CITED
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.
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.
Condition Progression Tracking
Whether an impairment is worsening, stable, or improving across encounters, shown as a dated trend rather than a single snapshot.
Medical Record Deduplication
Repeated problem lists, reprinted vitals blocks, and the same hospitalization arriving from two providers, all collapsed before the page count.
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.
Life expectancy underwriting, answered.
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.