Mortality Risk Abstractor
Turns the assembled evidence into a sourced impairment abstract with proposed debits, credits and class.
Applied-for plus in-force coverage crosses the autobind limit, and the abstract has to say where the treaty stops and the facultative route begins. A 340-page attending physician statement with the pathology report buried at page 212 becomes an abstract where every clinical assertion carries a document and page reference, and the proposed class sits beside the two findings that would move it. Where the application says non-tobacco and the cotinine result disagrees, both go on the page and the case stops there for the medical director.
Authority
Recommend
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Life & Annuity New Business
Desk workflow
Open the case and generate its requirement grid, order and reconcile evidence, keep the accelerated path under independent challenge, abstract the mortality picture for the underwriter who holds written authority, validate the illustration and disclosure package, assemble the best-interest and replacement file, then close the delivery requirements, capture the receipt that starts the free look, and hand a placed policy to inforce servicing with the underwriting rationale attached.
Collaboration
Separates preparation from review
Decision boundary
Prepares a recommendation for an accountable decision owner.
Systems and capabilities involved
Medical record annotation service
Datavant DigitalOwl classification over retrieved records
Underwriting manual retrieval
carrier manual plus reinsurer manual differences
Laboratory and paramedical results feed
Clinical Reference Laboratory and ExamOne panels
Prescription and motor vehicle histories
Milliman IntelliScript and LexisNexis Risk Solutions
Medical director consultation
Handoffs
What this role gives and receives
Capabilities offered
Sourced impairment abstract
Converts an evidence file into cited findings, proposed debits and credits, and a proposed class with its sensitivities.
- Receives:
- Attending physician statements, laboratory panels, prescription and driving history, tele-interview transcript, and the application
- Returns:
- Impairment abstract with page-level citations, a proposed class or table and flat extra, and the findings that would change it
Delegates
Establish whether the proposed class and face sit inside the automatic treaty or need a facultative submission. Trigger: Applied-for coverage plus in-force amounts approach the autobind or jumbo limit, or the impairment falls in a treaty exclusion. Returns: Autobind, jumbo and treaty-exclusion position, with the facultative route where the treaty stops.
Handoff to
Handoff to
Receives from
External handoff
Underwriter holding written authority
External handoff
Medical Director
External handoff
Chief Underwriter
Context
What the role needs to do the work
- Current work
- The evidence set for this life, extracted findings with their source pages, proposed debits and credits, and unresolved contradictions.
- Prior interactions
- Earlier abstracts on this case, the underwriter's edits, and the class the underwriter finally set.
- Policies and reference
- The carrier's underwriting manual, debit and credit tables, table and flat-extra conventions, and reinsurer manual variances.
- Working method
- Reading patterns for cardiac, oncology, metabolic and psychiatric files, and where each one typically hides the decisive page.
Illustrative workflow
How the work moves
Starting point
A 58-year-old applicant for $1,500,000 of twenty-year term returns a 340-page attending physician statement containing a 2023 prostatectomy and a Gleason score.
- 01
Index the record set and pull the pathology report, staging, PSA series and follow-up notes, citing each by document and page.
- 02
Apply the manual: postpone window satisfied, a flat extra schedule keyed to years since surgery, and the tobacco answer re-checked against the cotinine result.
- 03
Raise the treaty position, because applied-for plus in-force coverage on this life crosses the autobind limit.
- 04
Assemble the abstract with the proposed rating, the two findings that would move it, and an explicit request for a reading of the pathology report.
Result
A cited impairment abstract carrying a proposed table rating and flat extra, routed to the underwriter holding written authority for that face and table, with the pathology question queued for the medical director.
Checks and boundaries
What must be tested or reviewed
- 01A blind audit of abstracts finds no clinical assertion without a locatable document and page reference, and no citation that says something other than what the abstract claims.
- 02On a holdout of closed cases the proposed class tracks the underwriter's final class within one table, and the residual error skews conservative rather than generous.
- 03A conflict between the application and the evidence is never resolved here: an undisclosed tobacco history or an omitted specialist surfaces with both sources shown.
- 04Leakage tests confirm no protected characteristic or neighborhood proxy appears as a debit, and that each debit traces to a clinical or behavioral finding with a mortality basis in the manual.
Human authority
- The underwriter holding written authority for that face amount, table and age band sets the class. The medical director rules on clinical evidence. The chief underwriter takes anything above that authority, including jumbo and aggregate-retention cases.
Keep exploring