Downloads
Mental Health Illness and Its Impact on Life Expectancy in the USA
Mental health disorders have become one of the most significant public health challenges. While much of the conversation about health outcomes often focuses on physical conditions, the impact of mental health on life expectancy has emerged as a crucial area of study. Mental illness can have profound consequences on how long a person might be expected to live and should be factored in when calculating an individual’s predicted life expectancy in the life settlement market.
June 2025
Slowing the biological clock: How lifestyle choices influence aging
Numerous factors significantly influence the rate at which the aging process occurs. Whilst there are some factors that can accelerate aging, others have the potential to slow it down. This article looks at some of these positive influences and how, for a life settlement underwriter, knowledge of an insured’s lifestyle choices can be essential when calculating their life expectancy estimation.
November 2024
All-cause mortality of nicotine use in the life settlement industry – an overview
Among the myriad of factors influencing mortality, tobacco and other forms of nicotine use are of paramount consideration, with implications reaching far beyond the confines of specific health-related issues. This article seeks to provide some useful insight and unravel the impact this addictive habit has on all-cause mortality within the life settlement sector.
March 2024
Dementia: An increasing global problem and a complex underwriting condition for the life settlement industry
Dementia is not just a specific ailment but a broad descriptor for the impairment of cognitive functions. This paper aims to provide an overview of the condition and the factors that need to be taken into account during the underwriting process for life settlements.
November 2023
COI rate risk: An analysis of the cause and effect
Over recent months, significant industry and media attention has been drawn to the increased Cost of Insurance (“COI”) rates imposed by a number of insurance carriers. This white paper examines the potential reasons for COI rate changes and the possible implications for the life insurance and life settlement markets.
December 2016
Maximising Policy Performance
The involvement of an agent or broker doesn't end when a policy is issued. This paper considers the role that they can play in maximizing a policy's performance throughout its lifetime in both the short and the long term, thereby continually enhancing the relationship of client and trusted advisor.
September 2015
An examination of life settlement downside risk
Any investment in a life settlement policy results in multiple costs, but what is the risk that these costs will amount to more than the benefit value of the policy?
July 2015
An examination of the potential effects of the 2014 VBT Primary Tables on the life settlement industry
Following the preliminary release of the long awaited 2014 VBT Primary Tables, CG Analysts have published a white paper which examines the impact that these new tables might have on the life settlement industry.
December 2014
