An important 21st Services asset is its 10 years of mortality data on tens of thousands of senior lives. However, from a statistical standpoint, this pool is small. In the next several years, 21st Services will be expanding it many times over. The company, working with a non-profit research center, is undertaking a major study of Medicare data on senior lives. By the end of 2009, the data from 2 million to 3 million records will have been analyzed. Information derived from the records of more than 15 million Americans will be in our database when the study ends.

The study will assess the relationship of hundreds of conditions and comorbidities to senior longevity. The impact of the study will be seen in future adjustments to our mortality tables, and in adjustments to our medical analysis system, MedDiag, which automatically assigns "debits" and "credits" for conditions and comorbidities, as well as factors related to family health history, lifestyle and mobility.

The results of this massive study will help us advance the reliability of our evaluations because our conclusions will be based on such an extensive body of evidence.