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Our Services

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 business.
  • 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 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.
  • Our life settlement underwriting clients include the most successful and respected investors in the life settlement industry.  To request a representative list, Contact Us.

    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:
    • 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 underwriting clients, Contact Us.


    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.
    Annuity Underwriting:

    Fasano Associates provides underwriting for:

    - Substandard Annuity Products
    - Structured Settlements
    - SPIA's
    - 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 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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