April was positive for Life Settlements however Life Insurers continue to struggle. Let's see what the experts had to say;
Amrita LS index noted that in April 2010 there was an unexpected, and quite positive, jump in life settlement transactions over the prior month. The reported numbers climbed an astonishing 92.8 points over March. Amrita indicates that the jump was largely attributed to an increase in market activities and "renewed bullish expectations".
On the flip, Medical Information Bureau (MIB) indicated that individually underwritten life insurance was off -1.4% in April over March. Comparitively, the index has been fluctuating between mild growth and losses since January 2010. Senior life insurance applications continue to reflect growth - with a continued upward trend of +10.5% on applicants aged 60+. MIB indicates that the April numbers are consistent with "seasonal norms".
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Wednesday, May 19, 2010
Tuesday, May 11, 2010
A Finger on the Pulse of Mortality
A recent study I happened across indicated a direct correlation of resting pulse rates in cardiac patients with all-cause mortality.
The study indicated that in cardiac patients with resting pulse rates of greater than 70 had a mortality increase of 40% after adjusting for all factors.
Additionally, it was noted that these individuals were also at risk for increase hospitalizations related to acute episodes of congestive heart failure (CHF)-a leading cause of death in the seniors we underwrite every day!
The study indicated that in cardiac patients with resting pulse rates of greater than 70 had a mortality increase of 40% after adjusting for all factors.
Additionally, it was noted that these individuals were also at risk for increase hospitalizations related to acute episodes of congestive heart failure (CHF)-a leading cause of death in the seniors we underwrite every day!
"Among nearly all mammals, life expectancy is close to 1 billion heartbeats"
Michael S. Lauer, MD
National Health, Lung and Blood Institute
Cleveland Clinic Journal of Medicine
76 (2009): S18
"Hanks Hot Notes", Vol. 9 Num. 5, May 2010
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