Our services include:
- Life Settlement Underwriting
- Life & Health Underwriting
- Annuity Underwriting
- Expert Witness Testimony
- Medical Record Summaries
Life Settlement Underwriting:
Our predictions of life expectancy are the most accurate in the
96% to 99% (2011 Study) Actual to Expected Accuracy based on
four successive independent actuarial studies -- results based
on actual predictions, not restated.
Fasano's approach is unique in using physicians to review and analyze
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.
Our life settlement underwriting clients include the most successful and respected investors
in the life settlement industry.
To request a representative list,
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
Life & Health Underwriting:
- 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.
To request a representative list of our life and health
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
Provide on-site underwriters to help companies meet peak
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
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.
Fasano Associates provides underwriting
- Substandard Annuity Products
- Structured Settlements
- Traditional Annuities
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
Our Medical Directors and Senior Underwriters
have both writing company experience and consultative
experience in serving as expert witnesses.