Hone your competitive edge with educated substandard underwriting

Lotter Actuarial consultants offer world class reinsurer-sourced experience of substandard risk profitability. We can do due diligence on your substandard medical underwriting and help you rationalize your path to profits.  

Build a Scientific Critical Illness Substandard Underwriting Practice 

Our consultants apply our custom rate calibration techniques to achieve the consistency you need to make your critical illness underwriting practice harmonize with your life insurance underwriting practice.

Find a stable and profitable way to assess Viatical Purchase and Elder Settlement mortality

No insurance company mortality tables exist for viatical lives.  Successful Elder Settlement underwriting requires in-depth knowledge of the mortality of older impaired lives.  Viatical experience is immature and jealously guarded. Lotter Actuarial builds Viatical Mortality tables using medical cohort studies, where appropriate.  Lotter Actuarial consultants build Viatical Underwriting Manuals and Viatical pricing programs.  Lotter Actuarial consultants will help you build an Elder Settlement underwriting and pricing discipline.