Author: Roger Tafoya

The underwriting process in life settlements is crucial as it helps determine the fair market value of the policy by assessing a key pricing variable, the life expectancy. This assessment traditionally relied on manual reviews of medical records, actuarial data, and subjective interpretations by underwriters. However, with the advent of Electronic Health Records (EHRs), the landscape of life settlement underwriting is undergoing significant transformation. Electronic Health Records are digital records of patients’ comprehensive health information, designed to be shared across different healthcare settings. They include virtually all components found in the paper records that comprise an insured’s medical history. In life…