Neuma utilizes independent medical underwriters to determine life expectancies. These underwriters have extensive experience in the viatical and life settlement industry. They direct a network of medical specialists including, but not limited to, internists, cardiologists, oncologists, geriatric specialists and infectious disease specialists.

To obtain a life expectancy, a minimum of three years of medical records is generally submitted to the underwriter including attending physician reports, consulting physician reports and laboratory data. The underwriter often discusses the case directly with the physician. The underwriter then refers to standard insurance underwriting manuals to determine a percent mortality and applies this data to a standard actuarial table to arrive at a life expectancy.