Medical Underwriting has remained unchanged for decades. It has involved the following predictable steps with limited client representation:

1. A client is asked to take a medical examination for life insurance.
   
2. The Life Insurance Company orders the client's medical file.
   
3. The Life Insurance Company determines when it has enough information to reach a pricing decision.
   
4. The Life Insurance Company reaches a final "verdict" as to insurability and at what cost.
   
5. The client and agent are informed of the Life Insurance Company's decision.

The traditional process of medical underwriting for life insurance is one-dimensional and puts the client at a distinct disadvantage. No one in the traditional process, neither the agent or the Life Insurance Company, can adequately represent the client. Both are biased in favor of the Life Insurance Company.

The newly created concept of a Mortality Manager ^TM dramatically alters the process of medical underwriting in favor of the client's best interests. It assumes that a client is entitled to expert representation in the negotiations for life insurance. Unlike the traditional process, a Mortality Manager ^TM employs strategies that insure that the client receives appropriate representation in the risk selection process.

These strategies include:

1. A confidential client interview to understand the client's medical history from their point of view.
   
2. Expert review of the client's medical records for errors and omissions.
   
3. Expert review of the medical literature for studies and research that offer the client an advantage in the underwriting process.
   
4. Expert interface with the client's physician to insure the most accurate and supportive account of the client's medical history.
   
5. Expert preparation and integration of all medical information into a negotiation document that can be used with any Life Insurance Company.

1. Clients are entitled to expert representation of their medical history to the life insurance industry.
   
2. Clients are entitled to an expert analysis of their medical history on a confidential basis.
   
3. Clients are entitled to an expert review of their medical file for errors and omissions.
   
4. Clients are entitled to the benefit of the most current medical research to improve the pricing of their life insurance.
   
5. Clients are entitled to the full support of their physician in presenting an accurate and supportive account of their medical history.

Second Opinion's CEO David L. Solie created the concept of a Mortality Manager ^TM and the unique strategies this role demands. Drawing on his clinical and insurance medicine background, Mr. Solie has for the first time created a set of strategies that preserves a client's dignity while at the same time providing extraordinary outcomes for the most challenging cases.