Our Services

Life Settlement Underwriting

  • Our predictions of life expectancy are the most accurate in the business.

  • 101% (2019 Study) Actual to Expected Accuracy based on 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 Genworth (First Colony Life).

    Our life settlement underwriting clients include the most successful and respected investors in the life settlement industry.

    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 and Senior Underwriters from some of the best underwriting shops in the business, including Northwestern Mutual and Banner Life.

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 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.

Consulting Medical Directors

Our Medical Directors can provide a cost-effective alternative to an in-house medical director, including:

  • EKG interpretation and underwriter consults

  • Life expectancies for accelerated death benefit claims and for reserving purposes

  • Claims adjudication consults

  • Underwriter training

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 18 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 or Senior Medical Directors of companies such as New York Life, First Colony Life (Genworth), Legal & General America and Phoenix Mutual.

  • Our diverse physician staff includes specialists in cardiology, 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.
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.