Improvement in health and longevity have reduced the need for traditional forms of medical information and processing.

Lifestyle Risks, developments in Clinical Science, including Genetic & Familial Predisposition, along with advances in treatment, provide an ample challenge to the science of Underwriting. And, MMR embraces that challenge!

Our approach to Medical Underwriting is firstly Medical and Scientific, with a sound Actuarial Assessment of Lifestyle Risks, thus providing the highest standard of service to our Clientele.

The concept of Risk Selection is regularly criticized by the experts as "Cherry Picking." Therefore, analysis of the mechanics of Risk Assessment, since the dawn of the new millennium, has had to evolve into a true science and a form of art.

MMR's extremely effective combination of Science and Art includes working knowledge of Clinical Trials, Drug Development, and Contraindications (e.g.: Cox-2 Inhibitors & Heart Disease, and advances in Patient Care).

An analysis of additional information such as the subject's Geographic Location and Socio-Economic Status provide critical insights into the Mortality Curve equation!

Unlike other providers, MMR also assesses Pharmacological interactions of the medications and the potential Contraindications with respect to the health status of the individual.