Contact Information
AVS Underwriting, LLC
175 TownPark Drive
Suite 400
Kennesaw, GA 30144
Phone: (770) 926-8880
Fax: (770) 926-7933
Email:
Products and Services
Mortality and Longevity Report
Our Mortality and Longevity report is based on a comprehensive review of the insured’s
medical records. A full review includes the insured’s life expectancy and a written
summary of the insured’s medical history.
for further information.
Insurance Application Review
Our Insurance Application Review (IAR) process compares information found on the
life insurance policy application to the medical records for inconsistencies. An
IAR can only be processed after we complete a life expectancy review from the same
client. As a part of our Anti-Fraud Plan, any inconsistencies are reported to the
submitting client and the appropriate state agency as required by law. For more
information regarding our IAR,
.
Longevity Data
AVS Underwriting, LLC (AVS) provides clients with longevity data from our extensive
database. The data set now spans 14 years of data and has nearly 198,000 entries.
These entries are related to life settlements with the vast majority of the insureds
over age 65. For further information regarding our data set,
.
Historical Observation
Historical observations allow for the estimation of life expectancy without current
medical information. Historical observation LEs are calculated based on specified
age (either age at end of medical records or age when historical observation is
completed) and when underwriting guidelines are applied. For further information
regarding historical observations,
.
Durational LE
Durational observation is an updated LE based on a previous evaluation using proprietary
methodology - no medical records are needed. In order to complete a durational observation,
AVS must have already completed a review on the insured at age 95 or less. For more
information regarding durational observations,
.
Redaction
Our Redaction service removes all identifying information from an individual’s record.
It is not automated and our employees view each record to remove such information
as name, relatives, social security number, date of birth, addresses, phone numbers,
lab ID numbers, insurance numbers, prescription numbers, account numbers and serial
numbers of implanted devices. When complete, redacted records are viewable online
to registered clients or can be downloaded and printed. For more information on
how to submit a case for redaction,
.
To ensure the privacy and safety of our clients, AVS strictly adheres to the below
policies.
Privacy Policy
Medical information and/or information specific to the identity of any individual
may be considered confidential under certain State and Federal laws. AVS makes every
effort to ensure that the personal and medical information that it retains is properly
maintained as confidential under the applicable Federal and State laws.
Anti-Fraud Policy
Anti-Fraud services are built into our evaluation process and include detection,
investigation and reporting of fraudulent acts to the client and/or state agency
as appropriate. Fraudulent acts identified include actions regarding the sale of
insurance policies, inconsistencies with insurance applications, non-disclosure
of significant illnesses and altered documentation.