21st Services is marrying an extraordinary pool of new data to an underwriting system that is already well regarded for its thoroughness and objectivity.

The system starts with the analysis of the health and medical information of the insured (in a life settlement case) or the client (when we are working directly with a consumer or with a financial advisor). The information is provided in one of two ways:

1. Copies of the client’s medical records for the past five years
2. Directly from the client or insured, through a telephone interview or an online questionnaire.

If we are working from the medical records, one of our underwriters gleans the pertinent data and enters it into our proprietary computer system, MedDiag. Our underwriting team, with some 25 members, has decades of experience, primarily in the life insurance industry.

21st Service’s MedDiag system assigns appropriate debits and credits for some 230 variables and completes the evaluation. 21st Services’ reputation for objectivity derives from the fact that no subsequent review by an underwriter, medical director or anyone else will result in a change in the score.

21st Services’ Medical Advisory Board

In 2007, 21st Services formed a Medical Advisory Board to make sure our underwriting staff and our MedDiag system stay right up to date with medical developments, particularly those affecting senior health.

Our Medical Advisory Board is made up of highly regarded physicians from across the country, in fields from cardiology to nephrology to neurology to epidemiology. Some are in academic positions; some, in clinical practice. All play a role in bringing us information and insights from the front lines of senior health.