New Medical Markers in Life Insurance Underwriting

The Society of Actuaries' Committee on Life Insurance Research, Product Development Section and Reinsurance Section are pleased to make the following report available. Authored by Allen Klein and Karen Rudolph of Milliman, this paper presents the results of research that identifies laboratory tests that are not widely used in the life insurance industry but could have potential benefits for use in the life insurance underwriting process. In addition, the authors have provided an Excel workbook illustrating the calculation for determining mortality savings.


The sponsors would like to thank the following individuals who served on the Project Oversight Group:

  • Jean-Marc Fix, Chair
  • Tom Edwalds
  • Cynthia French-Poteet
  • Carl Holowaty
  • Val Munchez-van der Wagt
  • Jan Schuh, SOA Sr. Research Administrator
  • Ronora Stryker, SOA Research Actuary

If you have questions or comments on this research, please contact Ronora Stryker, SOA Research Actuary, at