Our Process

Our Process

AVS has created a unique underwriting model with the objective of providing a non-biased third party opinion. Our method incorporates the best aspects of a medical evaluation and a debit/credit model used in the standard life insurance industry.

Each medical file is processed electronically to facilitate evaluation. Pertinent medical information is extracted from each medical file and remains in the insured’s permanent AVS record. This record contains all significant medical information collected from all files received on the insured.

AVS underwrites based on current functional status of a person not on historical medical conditions that may no longer represent functional impairment or on current conditions that do not present a functional limitation. Furthermore, medical treatment often improves an impaired individual to a normal functional status. Following completion of the medical record review, each file is forwarded to an underwriter for further review to take into account the impairments of the person as well as their overall functional status. The multiple model system developed by and exclusive to AVS offers clients the most conservatively accurate evaluation available. For more detail about our LE Generation Process, click here.

AVS prides itself on being the leader in this rapidly evolving market and setting industry standards for determining life expectancy. AVS maintains an extensive database on more than 110,000 individuals. Our custom information system allows us to access all information, including the insured’s medical records, within seconds.

Our process is what makes AVS the world leader in life expectancy evaluations and longevity data.