fundamental note Points * Univer...

fundamental note Points

* Universal life and variable universal life are the main markets for population older than 75.

* Applying a percentage of an industry table to this market pricing is not completely appropriate.

* Frailty and cognitive issues are important in underwriting the somewhat old

* a certain diseases tend to manifest differently in older applicants.

As life insurance companies face more and more applicants who are older than what used to be considered the normal life insurance market range, it becomes difficult to use traditional underwriting tools, which do not provide the same even of information for these senior consumer

Underwriting for younger applicants