Description: Accelerated underwriting expert, Ryan Holt, FSA, gives a brief history of the confusion matrix and how its use came into the accelerated underwriting space. An in depth discussion of estimating mortality impact using underwriting audits follows. Three key assumptions that effect mortality impact are discussed. Readers will leave with an understanding of how to estimate mortality impacts using audit results from any new under writing program as well as the considerations that should be taken around key assumptions. Background articles are provided for readers that are less familiar with the subject matter.