Lapetus Solutions is introducing a new Debit-Credit based Life Expectancy (LE) Report—a physician-led, and algorithm-based assessment that aligns with established market practices while leveraging Lapetus’ core strengths—its clinical expertise and deep understanding of mortality and aging.
This rules-based system is derived from survival outcomes documented in the medical and scientific literature. LE estimates are guided by the insured’s medical conditions and the physician’s expert judgement, capturing the nuances of each case.
The Debit-Credit report will be delivered alongside the existing Clinical LE, which remains unchanged, providing clients with two distinct, medically-justified reports in one package. A summary page will highlight key differences and results for easy comparison.
Unlike the Clinical LE, which focuses on estimating individual lifespan, the Debit-Credit LE is designed to optimize actual-to-expected (A/E) performance. Back-testing across the full Lapetus database shows the model achieves an A/E ratio exceeding 99%.
Availability & Pricing
The Debit-Credit LE is currently available at no additional cost beyond the standard Lapetus LE. Initial availability of the combined Clinical and Debit-Credit LE package will be limited. Please reach out to your relationship manager for further details.
About Lapetus
For over 40 years, Lapetus Solutions has analyzed the survival patterns of over 1 billion individuals, including long-lived insured populations. Backed by tens of thousands of medical studies, Lapetus delivers scientifically grounded insights into how health conditions affect longevity. Scientists at Lapetus pioneered the field of biodemography, which integrates biology with actuarial and demographic sciences to more accurately predict human longevity. Its findings, published in Science, NEJM, and Nature Aging, have shown that many traditional mortality models significantly overestimate survival. With this level of insight and innovation, Lapetus is giving clients the clarity and confidence they need to make more informed decisions.
For more information about the Debit-Credit Report, including details on methodology and implementation, please contact Lapetus directly at info@lapetussolutions.com
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