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Neuma’s
acquisition and pricing of policies is based on the present
mortality experience of the general population. Life
expectancy reports, issued by independent medical
underwriters, form the basis of the investment.
Life expectancies could be affected, however, because of
advances in medical technology; because of inaccurate
diagnoses, or because of improved living habits of the
insureds. To the extent that these developments occur,
financial results could be affected.
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