The ability to profit from the purchase of life insurance policies depends on the correct estimation of the future life expectancy of those insured. Neuma utilizes the statistical life span of each insured in order to calculate the appropriate discount on policy acquisition. Neuma utilizes proprietary software developed in cooperation with a leading actuarial firm.

Neuma focuses on the purchase of policies on the lives of persons with diseases and conditions that are not terminal but nonetheless reduce their life expectancies.