policies on over 4,000 lives for a total of approximately S18 billion of net death benefits. ("NDB") In order to support its investment decisions, The Vendor has developed its own internal 26-person medical underwriting and pricing unit including 17 medical underwriters and 6 FSA's and uses also its paren

policies on over 4,000 lives for a total of approximately $18 billion of net death benefits. ("NDB") In order to support its investment decisions, The Vendor has developed its own internal 26-person medical underwriting and pricing unit including 17 medical underwriters and 6 FSA's and uses also its pare