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Life expectancy--a commentary on this life table variable.

Richard B Singer

    Journal of Insurance Medicine (New York, N.Y.)
    |August 3, 2005
    PubMed
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    This commentary revisits a 1992 method for calculating reduced life expectancy using excess death rates (EDR). It highlights the utility of life expectancy in insurance underwriting and legal contexts.

    Area of Science:

    • Actuarial Science
    • Biostatistics
    • Demography

    Background:

    • The 1992 article introduced a method to modify the Decennial US Life Table for excess mortality.
    • Life expectancy was not previously used for classifying extra mortality risk in life insurance applicants.

    Purpose of the Study:

    • To discuss the 1989-91 US Decennial Life Table in detail.
    • To connect the 1992 method with recent applications of life expectancy in underwriting and legal cases.
    • To provide references on life table methodology for accurate life expectancy estimation.

    Main Methods:

    • Modification of the Decennial US Life Table to incorporate excess death rate (EDR).
    • Analysis of the 1989-91 US Decennial Life Table.
    • Review of recent literature on life expectancy applications.

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    Main Results:

    • The 1992 method allows calculation of reduced life expectancy (e) for any excess mortality pattern.
    • Life expectancy has found utility in underwriting structured settlement annuities.
    • Life expectancy reports are valuable in tort cases for attorneys.

    Conclusions:

    • The method for calculating life expectancy using excess death rates has broad applicability.
    • Life expectancy is a crucial index for survival and risk appraisal in insurance and legal settings.
    • Accurate life expectancy estimation requires understanding life table limitations.