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Our Services
Our services include:
- Life Settlement Underwriting
- Life & Health Underwriting
- Annuity Underwriting
- Expert Witness Testimony
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Life Settlement Underwriting:
Our predictions of life expectancy are the most accurate in the
business.
Two consecutive independent actuarial analyses have
concluded that Fasano's ratio of actual to predicted mortality
is 96%.The most recent study covered over 20,000 cases evaluated
from 2001 to the end of 2005.
Fasano's approach is unique in using physicians to review and analyze
medical files.
Our physicians are the best in the business, including former Chief
Medical Directors of premier life insurance companies, such as
New York Life and First Colony Life.
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Our clients include the most successful and
respected investors in the life settlement industry such as:
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Coventry First
Maple Life Financial
Peachtree Life Settlements
ViaSource Funding
Life Equity
Deutsche Bank
Credit Suisse
Allied Irish Bank
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We invite you to contact any of our clients to inquire about our
accuracy in predicting life expectancies. |
Our physicians combine clinical experience with research and
insurance medicine expertise.
Fasano's Annual Life Settlement Conference is at the
forefront of professional development in the Life Settlement
Industry. |
Life & Health Underwriting:
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- Fasano provides both contract and
consultative underwriting service to the life and health
insurance industry.
- Our industry staff include former Chief Underwriters from some of the
best underwriting shops in the business, including American
General Life, Banner
Life, J.C. Penney Life, Life of Virginia, Shenadoah Life, Provident Mutual
Life and State Mutual Life.
Our clients have included:
Colonial Life and Accident
Merrill Lynch Life
Army and Air Force Mutual Aid Association
The Union Labor Life Insurance Company
Oxford Life Insurance Company
Monumental Life Insurance Company
Banner Life Insurance Company
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Turn-key Underwriting:
Provide start to finish underwriting for
companies and Third Party Administrators. Interpret
M.I.B. codes and review Attending Physician Statements, lab
results and non medical examination reports, as well as
inspection reports and other non-medical information.
Medical Directors available to interpret EKG's and
substandard cases. We are able to electronically interface
with clients.
Contract Underwriting:
Provide on-site underwriters to help companies meet peak
workload requirements.
Underwriting Training &
Consulting Medical Directors:
- We will train underwriters and help companies
develop an underwriting program.
- We can provide consulting
Medical Directors, either on an on-going basis or to meet
temporary workload requirements.
Product Development &
Underwriting Guidelines: (Life, Long Term Care, Medicare Supplement):
Develop policy applications, medical examination,
cognitive evaluation and ADL assessment forms, telephone
questionnaires, care coordination procedures and
underwriting guidelines. Review policy forms and suggest
revisions to improve contract enforceability and improve
claims experience.
Underwriting Audits:
Perform underwriting audits for life, Medicare
Supplement, and Long Term Care portfolios. |
- Our staffing of 16 medical directors
provides expert consultative services that
even the largest industry shops would not be
able to produce with in-house resources.
- Our medical directors have served as
Chief Medical Directors of companies such as
New York Life, First Colony Life, and
Provident Mutual Life.
- Our diverse physician staff includes specialists in oncology, pulmonary dysfunction,
endocrine disorders and rheumatology.
- Our life underwriters have extensive management and audit experience.
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Annuity Underwriting:
Fasano Associates provides underwriting
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- Substandard Annuity Products
- Structured Settlements
- SPIA's
- Traditional Annuities
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Our physician underwriters have senior level experience in
some of the largest underwriters of annuities, such as
First Colony Life (Genworth Financial).
We offer both contract and consultative services in
developing underwriting guidelines for annuity underwriting.
Expert Witness and Claims
Consultation for:
Our Medical Directors and Senior Underwriters
have both writing company experience and consultative
experience in serving as expert witnesses. |
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