Description: In North America, the proportion of elderly persons now in the population is about 13 percent and is expected to rise to 20 percent by the year 2030. Insurers face a new wave of insurance candidates over ages 65, 70 and 75 with risk assessment challenges in underwriting the health of old age risks.

Description: This article discusses jet issued life insurance, which marries the speed and simplicity of a simplified issue product with the higher face amounts and competitive premiums of a fully underwritten product.