Life Settlements

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

Our hyper-personalized LE assessments take into account the correlation between patient data, impairments, treatment and research; rather than using an additive approach. All Lapetus LE reports are completed by board certified physicians whose specialities are matched to the insured’s impairments. This unique method provides a greater level of insight and an actual to expected ratio of over 96%.

Fastest turnaround in the industry

Most comprehensive reports

Certified LE Provider by the states of Florida and Texas

Pharmaceutical Report

Pharmaceutical reports provide a LE based on prescription and lab records retrieved from ExamOne.

Clinical Report

Our most widely used report, the clinical report is an analysis of the insured’s full medical history.

Reconciliation Report

Reconciliation reports are a comparison analysis between a Lapetus clinical report and 1-3 LE reports from other providers.

Choose the Right Report for Your Investment Decisions

Lapetus has three options for life estimates, each requiring different amounts of life insured data and each delivering different levels of personalized results.

Physician Pharmaceutical Report

Pharmaceutical reports provide a LE based on prescription and lab records retrieved from ExamOne. Offered at a lower cost and a faster standard turnaround time, it is often used as an initial assessment for lower value policies to determine if a full medical review is needed.

● Completed by a board-certified physician
● Review of ExamOne prescription and lab records only
● 3-business day turnaround time

Physician Clinical Report

Our clinical report is a full medical record analysis. The result is a detailed survival probability report on the insured’s medical history, mortality and health status.

● Completed by a board-certified physician
● Review of full medical records
● 5-business day turnaround time
● Options for 2-day Rush and 1-day Urgent turnaround

Physician Reconciliation Report

Reconciliation reports are a comparison analysis between a Lapetus clinical report and 1-3 LE reports from other providers. This examination is performed by the same physician who completed the PCR. Reconciliations provide an extra level of clarity and assurance when needing to make a high-stakes decision.

● Completed by a board-certified physician and longevity scientist
● Compares a Lapetus Clinical Report to 1-3 other LE provider reports
● 5-business day turnaround time

Data Security and Privacy

Lapetus upholds and maintains the strictest levels of security and data privacy. We are HIPAA and GDPR compliant, as well as abide by other international health data and data privacy regulations.

Frequently Asked Questions

Methodology FAQ

Our methodology is designed to create a hyper-personalized complete life table for each individual under evaluation. We’re always seeking ways of improving our methodology.

What life table do you use?

Lapetus begins with the most updated Social Security Administration (SSA) complete resident life tables (closed at age 100) for males and females in the U.S. For international policyholders, Lapetus uses the most recent life tables available through the Human Mortality Database or the World Health Organization.

Do you use a debit/credit system?

Lapetus does not use a debit/credit system for estimating survival. While we see value in utilizing an approach like this in the life settlement industry for the purpose of creating consistent results, our primary target is accuracy. We see a place for both consistency and accuracy in the LE assessment space. A debit/credit approach to survival analysis yields generic results, i.e. all smokers are treated the same, everyone with the same impairment is treated the same, and everyone of a given age and gender with a selected set of health challenges is treated the same. The Lapetus approach to survival analysis is designed to create hyper-personalized complete life tables for each person being evaluated based on their unique set of inherited and acquired risk factors.

Do you use a mortality multiplier?

Lapetus does not use mortality multipliers to adjust LE assessments. Rather, we estimate the LE first using physician-guided assessments of the medical records, and then back into the calculation of the mortality multiplier as a byproduct of the resulting LE.