Underwriters use life expectancy figures to look at overall longevity for various age groups and also consider specific factors related to an applicant's health, habits, and experiences.

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Underwriters in the insurance industry use life expectancy figures as a baseline to assess the risk of insuring an individual. They also consider specific personal factors such as health conditions, lifestyle habits, and personal experiences to adjust the risk assessment and determine the insurance premium rates accordingly.

Underwriters Use Life Expectancy Figures to Look at Overall Longevity