Question

What is extra mortality rate (EMR) and how is it used in the Numerical Rating Method?

a.

The excess mortality in the case of standard lives

b.

The excess mortality in the case of sub-standard lives

c.

The ratio of total deaths in a given population over a specified period of time

d.

The ratio of total deaths in a given population over the entire population over a specified period of time

Posted under IC22 Life Insurance Underwriting

Answer: (b).The excess mortality in the case of sub-standard lives Explanation:Extra mortality rate or EMR refers to the excess mortality in the case of sub-standard lives. Extra mortality is usually expressed as a percentage of standard mortality.

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Q. What is extra mortality rate (EMR) and how is it used in the Numerical Rating Method?
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