21st Services' proprietary mortality tables are based on the Society of Actuaries' Valuation Basic Tables. These are the tables the life insurance industry uses to set reserve levels. Our Chief Actuary, Vincent Granieri, FSA, MAAA, EA, MBA, adjusts those tables to weight more heavily than the insurance actuaries do 1) senior lives and 2) high face amount cases. The results are a better reflection of our 55+ market.

21st's tables are thoroughly reviewed by two leading actuarial consulting firms, one American, one European.

Chief Actuary Vincent Granieri has had a 30-year career as an actuary and finance chief in life insurance and life settlement companies. He became a Fellow of the Society of Actuaries after earning his MBA from Harvard University. He joined 21st Services in April 2008.