The fifth edition of this leading reference book on insurance medicine, provides a comprehensive guide to life expectancy for underwriters and clinicians involved in the life insurance industry. Extensively revised and expanded, the new edition reflects developments in life and healthcare insurance as well as medicine.

About the Author

RICHARD E. BRAUN MD, Senior Vice President and Medical Director, LabOne Inc, Lenexa, Kansas, USA GARY BUNDOCK FCII DMU (AMS), Divisional Underwriting Consultant, Swiss Re Life and Health, London, UK SHANKLIN B. CANNON MD, Medical Director, Northwestern Mutual Life Insurance Company, Milwaukee, Wisconsin, USA MICHAEL CLARK Senior Vice President and Chief Medical Director, Swiss Re Life and Health, Armonk, New York, USA GORDON R. CUMMING MD FRCP(C) FACC, Vice President and Medical Director, The Great West Life Assurance Company, Winnipeg, Manitoba, Canada DANIEL C. ELLIOTT MD, Consultant, Long Term Care MARTIN L. ENGMAN MD, International Medical Risk Consultants Inc., Fort Wayne, Indiana, USA LINDA GOODWIN MD FACP, Internist, Geriatrician and President, Creative Risks Analysis, Inc,. Concord, North Carolina, USA POLLY GALBRAITH MD, Vice President and Chief Medical Director, Assurant Employee Benefits ROGER HARBIN FSA, Chief Operating Officer, SAFECO Life Insurance Company, Seattle, Washington, USA DAVID E. HODGKINSON BSc (Hons) DMU (AMS), Implementation Consultant, Swiss Re Life and Health, London, UK MICHAEL W. KITA MD (deceased) Formerly Vice President and Senior Medical Director, UNUM Life Insurance Company, Portland, Maine, USA ROSS LAWRENSON MD MRCGP MFPHM FAPHM, Professor of Primary Care and Head of the Waikato Clinical School, University of Auckland, New Zealand JOHN LOCASCIO Vice President and Senior Medical Director, UNUM Provident, Portland, Maine, USA J. ALEXANDER LOWDEN MD PhD FRCP(C) FCCMG, Senior Vice President and Medical Director, LabOne Inc. PETER C. MAYNARD FCII, Director, SelextX Ltd., Princes Risborough, Buckinghamshire, UK HOWARD L. MINUK MD FRCP (C) ABIM, Chief Medical Officer, Swiss Re Life and Health, Toronto, Ontario, Canada JAN VON OVERBECK MD MSc, Chief Medical Officer, Swiss Re, Zurich, Switzerland RODNEY C. RICHIE MD FCCP, Texas Life Insurance Company, Waco, Texas, Medical Director, Professional Medical Services Inc., Waco, Texas GEOFFREYH. ROBB MB FRCP, Consulting Diabetologist, Epsom General Hospital, Chief Medical Officer, Friends Provident, Pension Annuity Friendly Society, RGA (UK) Ltd., UK F. CLIFFORD ROSE MB FRCP, Director, London Neurological Centre, London, UK EMILIO RUBI (deceased) Formerly Technical Director, Underwriting, Long Term Care Division, GE Capital Assurance, California, USA JAMES A. RYAN JR. MD FACP (deceased) Formerly Medical Consultant, Transamerica Life Companies, Los Angeles, California, USA RICHARD B. SINGER MD, Consultant to American Academy of Insurance Medicine and formerly Second Vice President and Director of Medical Research, New England Life Insurance Company, Boston, Massachusetts, USA PATRICK D. SNOW MD, Vice President and Chief Medical Director, Thrivent Financial for Lutherans, Appleton, Wisconsin, USA KEVIN SOMERVILLE DM FRCP FRACP, Global Medical Consultant, Swiss Re Life and Health, London, UK MAXWELL E.C. THORPE MD FRACP, Consultant Gastroenterologist, Prince of Wales Hospital,Sydney and Chief Medical Officer, Swiss Re Life and Health, Australia ANTHONY D. TOFT CBE MD FRCP, Consultant Physician and Endocrinologist, Royal Infirmary, Edinburgh and Chief Medical Officer, Aegon UK, Edinburgh, UK URSULA WANDL MD, Medical Director, Swiss Re Germany AG, Munich, Germany ROBERT W. WATSON MD FLMI, Vice President and Chief Medical Officer, Allianz Life Insurance Company of North America, Minneapolis, Minnesota, USA RICHARD WILLETS MA FFA, Consultant Actuary HARRY A. WOODMAN FSA FALU ChFC, Consultant Actuary ANNELIES S. ZINKERNAGEL MD, University Hospital Zurich, Switzerland.

"About this title" may belong to another edition of this title.

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Edward Bowditch Ltd
Exstowe, Exton, Exeter, EX3 0PP, United Kingdom

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Legal entity name: Edward Bowditch Ltd
Legal entity form: Limited company
Business correspondence address: Exstowe, Exton, Exeter, EX3 0PP
Company registration number: 04916632
VAT registration: GB834241546
Authorised representative: Mr. E. Bowditch

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If you are a consumer you can cancel the contract in accordance with the following. Consumer means any natural person who is acting for purposes which are outside his trade, business, craft or profession.

INFORMATION REGARDING THE RIGHT OF CANCELLATION

Statutory Right to cancel

You have the right to cancel this contract within 14 days without giving any reason.

The cancellation period will expire after 14 days from the day on which you acquire, or a third party other than the carrier and indicated by you acquires, physical possession of the the last good or the last lot or piece.

To exercise the right to cancel, you must inform us, Revaluation Books, Exstowe, Exton, EX3 0PP, Exeter, United Kingdom, 44 1179083586, of your decision to cancel this contract by a clear statement (e.g. a letter sent by post, fax or e-mail). You may use the attached model cancellation form, but it is not obligatory. You can also electronically fill in and submit a clear statement on our website, under "My Purchases" in "My Account". If you use this option, we will communicate to you an acknowledgement of receipt of such a cancellation on a durable medium (e.g. by e-mail) without delay.

To meet the cancellation deadline, it is sufficient for you to send your communication concerning your exercise of the right to cancel before the cancellation period has expired.

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If you cancel this contract, we will reimburse to you all payments received from you, including the costs of delivery (except for the supplementary costs arising if you chose a type of delivery other than the least expensive type of standard delivery offered by us).

We may make a deduction from the reimbursement for loss in value of any goods supplied, if the loss is the result of unnecessary handling by you.

We will make the reimbursement without undue delay, and not later than 14 days after the day on which we are informed about your decision to cancel with contract.

We will make the reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

We may withhold reimbursement until we have received the goods back or you have supplied evidence of having sent back the goods, whichever is the earliest.

You shall send back the goods or hand them over to us or Revaluation Books, Edward Bowditch Ltd, Clifton Heights, Triangle West, BS8 1EJ, Bristol, United Kingdom, 44 1179083586, without undue delay and in any event not later than 14 days from the day on which you communicate your cancellation from this contract to us. The deadline is met if you send back the goods before the period of 14 days has expired. You will have to bear the direct cost of returning the goods. You are only liable for any diminished value of the goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the goods.

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the delivery of newspapers, journals or magazines with the exception of subscription contracts; and
the supply of digital content (including ebooks) which is not supplied on a tangible medium (e.g. on a CD or DVD) if you accepted when you placed your order that we could start to deliver it, and that you could not cancel it once delivery had started.

Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

To: (Revaluation Books, Exstowe, Exton, EX3 0PP, Exeter, United Kingdom, 44 1179083586)

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract of sale of the following goods (*)/for the provision of the following goods (*)/for the provision of the following service (*),

Ordered on (*)/received on (*)

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Date

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