Examination Management Services, Inc.

Life Settlement Services

The Life Settlement Market

The life settlement industry has grown considerably in the past several years largely because of increased funding participation from institutional investors taking advantage of emerging maturity in the market. In addition, a greater number of informed financial professionals are offering life settlements to their clients as a lucrative alternative to letting policies lapse or surrendering them. Fueled by information from savvy producers regarding this emerging market, elderly policy holders are viewing life settlements as an attractive resource to offset rapidly increasing healthcare costs and long term care expenses.

With more organizations and policy holders turning to life settlements, the industry will likely see an increase in scrutiny and regulation of the process to promote fair and ethical treatment of consumers. With this increased scrutiny, accurate life expectancy estimates are essential to the success of life settlement transactions.

Comprehensive Services

Using our various areas of expertise within the company, we are uniquely positioned to offer the following life settlement services:

Medical Record Processing Services

With more than 30 years of experience in obtaining attending physician statements (APSs), we set the standard for fast and thorough APS processing.

Life Expectancy Underwriting Evaluations

Combining a medical assessment, actuarial statistics and results from an actuarial risk calculator with information on daily living habits and demographics, our underwriters create a comprehensive life expectancy evaluation in an easy-to-read report format.

Mortality Tracking

ICS Merrill, our investigative services division, is the industry’s largest single-source provider of death and disability investigations. ICS Merrill will continuously track the mortality status of an insured and report the insured’s status back to you.

Unmatched Expertise

Our underwriters have a high degree of expertise in risk analysis involving medical conditions, treatment protocols, functionality, socialization and economic factors. They carefully consider every aspect of the risk and use their individual judgment in applying the recommended actions provided in the underwriting guidelines and manuals. Our medical directors have certifications in insurance medicine, internal medicine, pulmonary disease and gerontology. Along with our chief underwriter, they are active members of the American Academy of Insurance Medicine.

Our underwriters also pursue ongoing education through industry programs and self study to earn industry designations such as FLMI, HIA, ACS, AAI, ICA, AALU and EKG Certification, in addition to professional degrees in business, science and nursing.

Online Management Tools

EMSI launched the first ever Web site for life expectancy orders and reports retrieval. The Life Expectancy Fulfillment System (LEFS) allows you to safely upload sensitive documentation needed to process life expectancies and securely retrieve completed reports. Using EMSI’s state-of-the-art enterprise document management system, LEFS’s workflows and security provisions enable external and internal customers to take advantage of emerging technological advances for fast, yet worry-free, processing of life expectancy orders.

Accuracy and consistency are critical factors for the processing of life expectancies and LEFS enables EMSI to excel in both of these areas by tracking all aspects of the process. We complete reports efficiently by putting all required information at the fingertips of each EMSI employee associated with the process.




Medical Record Retrieval Paramed Examinations Premier Solutions Tele-underwriting Underwriting Services Inspections Brokerage Services Life Settlement Medical Record Processing LE Underwriting Mortality Tracking	Life Settlement Services The Life Settlement Market The life settlement industry has grown considerably in the past several years largely because of increased funding participation from institutional investors taking advantage of emerging maturity in the market. In addition, a greater number of informed financial professionals are offering life settlements to their clients as a lucrative alternative to letting policies lapse or surrendering them. Fueled by information from savvy producers regarding this emerging market, elderly policy holders are viewing life settlements as an attractive resource to offset rapidly increasing healthcare costs and long term care expenses. With more organizations and policy holders turning to life settlements, the industry will likely see an increase in scrutiny and regulation of the process to promote fair and ethical treatment of consumers. With this increased scrutiny, accurate life expectancy estimates are essential to the success of life settlement transactions. Comprehensive Services Using our various areas of expertise within the company, we are uniquely positioned to offer the following life settlement services: Medical Record Processing Services With more than 30 years of experience in obtaining attending physician statements (APSs), we set the standard for fast and thorough APS processing. Life Expectancy Underwriting Evaluations Combining a medical assessment, actuarial statistics and results from an actuarial risk calculator with information on daily living habits and demographics, our underwriters create a comprehensive life expectancy evaluation in an easy-to-read report format. Mortality Tracking ICS Merrill, our investigative services division, is the industry’s largest single-source provider of death and disability investigations. ICS Merrill will continuously track the mortality status of an insured and report the insured’s status back to you. Unmatched Expertise Our underwriters have a high degree of expertise in risk analysis involving medical conditions, treatment protocols, functionality, socialization and economic factors. They carefully consider every aspect of the risk and use their individual judgment in applying the recommended actions provided in the underwriting guidelines and manuals. Our medical directors have certifications in insurance medicine, internal medicine, pulmonary disease and gerontology. Along with our chief underwriter, they are active members of the American Academy of Insurance Medicine. Our underwriters also pursue ongoing education through industry programs and self study to earn industry designations such as FLMI, HIA, ACS, AAI, ICA, AALU and EKG Certification, in addition to professional degrees in business, science and nursing. Online Management Tools EMSI launched the first ever Web site for life expectancy orders and reports retrieval. The Life Expectancy Fulfillment System (LEFS) allows you to safely upload sensitive documentation needed to process life expectancies and securely retrieve completed reports. Using EMSI’s state-of-the-art enterprise document management system, LEFS’s workflows and security provisions enable external and internal customers to take advantage of emerging technological advances for fast, yet worry-free, processing of life expectancy orders. Accuracy and consistency are critical factors for the processing of life expectancies and LEFS enables EMSI to excel in both of these areas by tracking all aspects of the process. We complete reports efficiently by putting all required information at the fingertips of each EMSI employee associated with the process.