Individual risk and the Base Benefit Multiplier (B.BM)

Individual mortality risk is based on an individual’s risk profile.

• Age

• Gender

• Country of residence

• Occupation

• Health (BMI and preexisting conditions)

• Lifestyle

The outcome of an individual risk assessment is the Base Benefit Multiplier (B.BM). Each individual is assigned a B.BM and the B.BM is re-evaluated at policy renewal to account for changes in age and lifestyle. The B.BM is the first variable of the equation that is used to determine the benefit that will be paid out in the event of a successful claim.