Singer Richard B
J Insur Med. 2005;37(1):42-51.
The purpose of this methodology article is to describe a suitable format for a legally acceptable report on the life expectancy of the principal in a tort case that is being advocated or defended by an attorney. Life insurance medical directors and underwriters are clearly skilled and experienced in mortality risk classification for life insurance. However, the judicial system is accustomed to measuring excess mortality only in terms of reduced life expectancy. The analyst preparing the report must convert the excess mortality into a figure for reduced life expectancy and compare this with the life expectancy of persons matched by age, sex and race in the latest Decennial US Life Tables. This process is different from the life insurance underwriting process. A life table projected to age 109 must be constructed as an essential part of the report, and the entire process must be presented clearly and convincingly. There are good reasons why the excess death rate (EDR) should be used as the index of excess mortality in constructing the life table, in preference to the mortality ratio (MR), which is used most of the time in life insurance risk classification. All of these considerations are discussed in this article, which is based on a sample of 40 cases handled by the author, a retired life insurance medical director.
这篇方法学文章的目的是描述一种合适的格式，用于撰写一份在侵权案件中关于当事人预期寿命的法律认可报告，该案件由律师进行辩护或代理。人寿保险医学总监和承保人在人寿保险的死亡率风险分类方面显然具备专业技能和丰富经验。然而，司法系统习惯于仅根据预期寿命的缩短来衡量超额死亡率。编写报告的分析师必须将超额死亡率转化为预期寿命缩短的数值，并将其与最新的美国十年期生命表中按年龄、性别和种族匹配的人群的预期寿命进行比较。这个过程与人寿保险承保过程不同。必须构建一个预测到109岁的生命表作为报告的重要组成部分，并且整个过程必须清晰且有说服力地呈现出来。在构建生命表时，有充分的理由使用超额死亡率（EDR）作为超额死亡率的指标，而不是人寿保险风险分类中大多时候使用的死亡率比率（MR）。本文基于作者（一位退休的人寿保险医学总监）处理的40个案例样本，对所有这些考虑因素进行了讨论。
