Fasano Associates

In the complex and specialized world of financial services and insurance, having access to unparalleled expertise is critical. For residents and businesses in the District of Columbia who are navigating the intricate realm of life settlements, annuities, and life and health insurance underwriting, a name that stands out is Fasano Associates. While not a traditional "lawyer" in the sense of offering general legal representation to individuals, Fasano Associates is a highly specialized firm that provides crucial services often utilized by legal professionals, financial institutions, and individuals involved in the life settlement industry. They offer expert analysis, particularly concerning life expectancies and medical underwriting, which are foundational to many legal and financial decisions related to life insurance policies.

Fasano Associates has established itself as a leader in life settlement underwriting, a field that requires a unique blend of medical, actuarial, and financial knowledge. Their unique approach involves leveraging a team of experienced physicians to review and analyze medical files, providing highly accurate life expectancy estimates. This service is vital for investors in the life settlement industry, but also for individuals who may be considering selling their life insurance policies or for legal cases requiring expert opinions on mortality and medical risk. Their long-standing reputation and specialized focus mean they are not just providers of data, but trusted consultants whose insights can significantly impact the value and viability of life insurance-related transactions and disputes.

Their commitment to precision and their deep bench of medical and underwriting talent make them a crucial resource in the DC area for anyone involved in the specialized sectors they serve. When accuracy, expertise, and a meticulous approach are paramount in evaluating life and health-related financial instruments, Fasano Associates offers a level of specialization that is hard to match.

For those in the District of Columbia seeking the specialized services of Fasano Associates, their office is conveniently located at 1201 15th St NW #250, Washington, DC 20005, USA. This address places them in a highly central and accessible part of downtown Washington D.C., making it a practical destination for clients from across the metropolitan area.

The 15th Street NW corridor is well-served by Washington D.C.'s efficient public transportation network. The firm's location is just a short walk from several Metro stations, providing easy access via multiple lines. For instance, the McPherson Square Metro Station (Orange, Blue, and Silver Lines) and the Farragut North Metro Station (Red Line) are both within comfortable walking distance. Numerous Metrobus routes also operate in this vibrant downtown area, ensuring comprehensive coverage and direct connections from various neighborhoods in the District and beyond. This excellent public transit access minimizes the stress of commuting and parking, making it simple for professionals and individuals to reach their office for consultations.

While downtown parking can sometimes be a consideration, there are several commercial parking garages located in the vicinity of 15th Street NW, offering convenient options for those who prefer to drive. The central location also benefits from its proximity to major financial institutions, legal firms, and business districts, which can be advantageous for coordinating with other related appointments or professional services within the city.

Fasano Associates offers a highly specialized suite of services primarily focused on medical underwriting, life expectancies, and expert consultations within the life and health insurance industries. While they are not a traditional law firm providing general legal counsel, their services are integral to many legal and financial processes, particularly in life settlements and related disputes. Their core offerings include:

• Life Expectancy Services: This is a cornerstone of their business. They provide highly accurate life expectancy estimates for various purposes, including life settlement valuation, structured settlements, and for reserving purposes by insurance companies. Their unique methodology employs physicians to conduct thorough medical file reviews.
• Life and Health Underwriting (Contract & Consultative): Fasano Associates provides both contract and consultative underwriting services to the life and health insurance industry. This includes full turn-key underwriting, where they handle the entire process from start to finish for companies and Third-Party Administrators. They interpret M.I.B. codes, review Attending Physician Statements (APS), lab results, examination reports, and other non-medical information.
• Consulting Medical Director Services: They offer a cost-effective alternative to an in-house medical director for insurance companies and related entities. This includes EKG interpretation, underwriter consults, claims adjudication consults, and underwriter training.
• Annuity Underwriting: The firm specializes in providing underwriting for various annuity products, including substandard annuities, structured settlements, SPIAs (Single Premium Immediate Annuities), and traditional annuities. Their physician underwriters have senior-level experience in this area.
• Product Development & Underwriting Guidelines: They assist in developing policy applications, medical examination, cognitive evaluation, and ADL (Activities of Daily Living) assessment forms. They also help establish telephone questionnaires, care coordination procedures, and comprehensive underwriting guidelines for life, long-term care, and Medicare Supplement products. Furthermore, they review policy forms and suggest revisions to improve contract enforceability and claims experience.
• Underwriting Audits: Fasano Associates conducts thorough audits of underwriting processes and decisions for insurance companies, ensuring adherence to guidelines and best practices.
• Expert Witness and Claims Consultation: Their Medical Directors and Senior Underwriters possess extensive experience as expert witnesses in cases involving life and health insurance, providing crucial testimony and claims consultation.

Fasano Associates distinguishes itself through a unique set of features and highlights that underscore their specialized expertise and commitment to accuracy in the life and health insurance underwriting sector:

• Physician-Led Medical Reviews: A primary differentiator is their unique approach of using highly experienced physicians to review and analyze medical files for life expectancy estimates. This clinical expertise ensures a meticulous and accurate assessment, crucial for life settlements and other mortality-dependent financial products.
• Top-Tier Medical Directors: Their physician team includes former Chief Medical Directors from premier life insurance companies such as New York Life and Genworth (First Colony Life), bringing unparalleled industry insight and experience. Their diverse physician staff includes specialists in cardiology, oncology, pulmonary dysfunction, endocrine disorders, and rheumatology.
• Best-in-Business Underwriting Staff: Fasano Associates prides itself on having an industry staff that includes former Chief and Senior Underwriters from some of the best underwriting shops, including Northwestern Mutual and Banner Life. This ensures robust and knowledgeable underwriting services.
• Pioneer in Life Settlement Underwriting: Mike Fasano, the founder, is recognized as a pioneer and renowned expert in life settlement underwriting, contributing significantly to the industry's development and best practices.
• Proprietary Older Age Mortality Tables: They utilize proprietary older age mortality tables, which are vital for accurate life expectancy calculations, especially in the context of life settlements where older age mortality is a key factor.
• High Accuracy in Life Expectancy Estimates: Based on recent independent actuarial studies, Fasano Associates boasts a 101% actual-to-expected accuracy ratio for their life expectancy estimates, demonstrating their precision and reliability.
• Comprehensive Turn-Key Underwriting: For companies and Third Party Administrators, they offer comprehensive, start-to-finish underwriting services, streamlining complex processes and ensuring efficiency.
• Expert Witness and Claims Consultation: Their experienced Medical Directors and Senior Underwriters provide valuable expert witness testimony and claims consultation, offering critical support in legal and dispute resolution contexts within the insurance domain.

As a highly specialized professional service firm operating within the insurance and financial sectors, Fasano Associates does not typically offer traditional "promotions" or "special offers" in the consumer retail sense. Their value proposition is built on their unparalleled expertise, precision, and the high quality of their specialized medical underwriting and life expectancy services. The cost for their services is generally determined by the scope and complexity of the analysis required, whether for a single life expectancy report, ongoing underwriting support, or expert witness testimony.

However, interested parties, including legal professionals, financial advisors, or insurance companies in the District of Columbia, are encouraged to directly contact Fasano Associates. During an initial consultation, they can discuss specific needs, learn more about the firm's methodologies, and understand the fee structure relevant to their project. Their reputation for providing highly accurate and reliable data, coupled with their team of seasoned professionals, serves as their primary "offer" – delivering superior results and expert insights crucial for critical financial and legal decisions.

To connect with Fasano Associates and inquire about their specialized life settlement underwriting, life expectancy, or other insurance-related services, please use the following contact details:

• Address: 1201 15th St NW #250, Washington, DC 20005, USA
• Phone: (202) 457-8188
• Mobile Phone: +1 202-457-8188

You can reach out during business hours to discuss your requirements and how their expert team can provide the precise data and insights you need for complex insurance and financial evaluations.

While Fasano Associates may not be a "lawyer" in the traditional sense for everyday legal matters, for professionals and entities within the District of Columbia who deal with life insurance, annuities, or specialized financial planning, this firm is exceptionally suitable and invaluable. Its suitability for locals in these specific industries stems from its deep specialization and central location.

Firstly, the firm's niche expertise in life settlement underwriting and life expectancy assessments fills a critical need within DC's robust financial and legal landscape. Washington D.C. is a hub for policy, finance, and specialized legal practices. Many law firms, financial advisors, and insurance companies operating in the District frequently require precise, medically sound life expectancy data and underwriting analysis for litigation, estate planning, investment strategies, and policy valuations. Fasano Associates provides this exact, highly specialized service with unparalleled accuracy and authority.

Secondly, their prime location at 1201 15th St NW #250 offers exceptional accessibility for DC-based professionals. Situated in the heart of downtown, it’s easily reached via the city’s extensive Metro system and various bus routes. This convenience is crucial for busy professionals who need to consult with experts without significant travel burdens. Being local means faster communication, easier face-to-face meetings, and a direct understanding of the regional business and legal environment.

Furthermore, the caliber of their team—comprising former Chief Medical Directors and Senior Underwriters from top insurance companies, along with their unique physician-led review process—provides a level of credible expertise that is hard to find. For any DC-based individual or firm facing a legal or financial scenario where accurate mortality data, underwriting analysis, or expert testimony on insurance matters is paramount, Fasano Associates offers a reliable, authoritative, and locally accessible solution. They are not a generalist law firm, but a specialized powerhouse that directly supports the complex financial and legal needs prevalent in the District of Columbia.