Lapetus is one of the leading providers of life estimates for the life settlements industry, with unparalleled accuracy and some of the fastest turnaround times in the industry.
Transforming the Life Settlements industry with fast, accurate and easy to access Life Estimates
Using the latest research data, scientific insights and expert medical team, Lapetus delivers an unique range of life estimates from the basic to comprehensive and from instant to a maximum of 5 days.
Fastest turnaround in the industry
Industry leading life expectancy estimations
Most comprehensive medical reports for the more complex conditions
Instant reports for smaller policies using leading edge science backed calculators
Analysis that incorporates patented genetic tools for hyper-personalized assessments
"Triage" for instant short form estimations
Triage will instantly deliver life expectancy estimations based on a short list of simple questions. The more information provided, the more precise the results.
Triage is designed to provide life expectancy assessments for smaller policies were instant, accurate estimates are required.
"Rx" Life expectancy reports
The “Rx” life expectancy report enhances the short form life expectancy with additional laboratory and pharmaceutical data and reviewed by one of our medical panel.
Full Medical Review
Our primary Generian product is the leading life expectancy report in the industry. Lapetus delivers hyper-personalized life expectancy assessments with full medical reports from one of our expert panel of specialist physicians.
Frequently Asked Questions
What life table do you use?
Do you use a debit/credit system?
Do you use a mortality multiplier?
Lapetus does not use mortality multipliers. We use the actual risk ratios in the medical and scientific literature that links risk factors to mortality/survival. The use of risk ratios is a generic approach to survival estimation; our approach is hyper-personalized.
Board certified medical professional team
Market leading turnaround times
Data Privacy and Security
Lapetus upholds and maintains the strictest levels of security and data privacy or your data.
We abide by HIPPA, GDPR and other international health data and data privacy regulations.
Full medical report
How Our Life Estimates Work
Clinical Review and Report
Generian clinical review and life expectancy requests are assigned to one of our panel of MDs with unique expertise associated with specific primary impairments presented in the medical records.
Following a detailed review, our physicians prepare a full report providing the most comprehensive in the Life Settlements industry.
Our panel of experts can provide life estimates within as quickly as 8 hours if needed..
Life settlements providers can request a reconciliation review when they need to understand differences between a Lapetus life expectancy report and a life expectancy estimation from another provider.
We can review and reconcile up to three other reports typically within a 5 day turnaround.
Lapetus reconciliations include a review from the originating physician and a further review by one of our senior longevity scientists with a full explanation of their conclusions.
Lapetus has created a genetic analysis tool designed to inform users about their carrier status of two genes — the longevity genotype (FOX03), associated with exceptional longevity, and the late onset Alzheimer genotype (APOE). This simple and quick tool is valuable to the life settlements industry as it identifies potential right-tail “longer-lived” individuals. The longevity assurance gene (FOX03), was discovered by our Chief Medical Officer, Dr. Bradley Willcox.