ISC Services

What ISC Services does

ISC Services, headquartered in Atlanta, Georgia and organized as ISC Holdings, LLC, is a privately held life expectancy (LE) underwriting firm founded in 2005. The company produces individualized life expectancy reports for three primary B2B customer segments: life settlement companies, financial advisors, and senior living facilities. Its core methodology is a research-driven underwriting process that collects and analyzes personalized medical histories, lifestyle factors, and functional status data to produce customized mortality curves for each insured, contrasting with generic macro-longevity population tables used by most calculators.

The technical core is a proprietary mortality table built from analysis of 40,000+ unique individuals (60,000+ total assessments since inception) and a DIKA (Data, Information, Knowledge, Action) framework used by human underwriters to transform raw medical records into actionable longevity risk assessments. ISC is part of the Vitaro Group alongside Vitaro Services, Vitaro Advisory, First Escrow, and Heritagemark. The company holds HIPAA, CCPA, and EU-U.S. Data Privacy Framework certifications relevant to handling protected health information.

Revenue is generated through two delivery models: subscription-based underwriting for high-volume clients and on-demand individual LE assessments for sporadic use cases. Specific pricing is not publicly disclosed. Distribution is direct-to-enterprise via the company website (quote and contact forms), supplemented by content marketing, industry conference participation, and association leadership within LISA (Life Insurance Settlement Association) and ELSA (European Life Settlement Association). The firm operates with 1–10 employees and 80+ years of combined team experience in life insurance, life underwriting, and life settlements.

Name

ISC Services

Legal name

ISC Holdings, LLC

Website

https://iscservices.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

ISC Services is an Atlanta-based life expectancy underwriting firm founded in 2005 that produces individualized LE reports for life settlement companies, financial advisors, and senior living facilities using proprietary mortality tables and a research-driven underwriting process.

Ownership category

akta.pro rank

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription-based LE Underwriting Services: Recurring subscription model for life expectancy underwriting services, providing consistent access to LE reports for ongoing business needs. Designed to grow with clients as their business scales.
2. On-demand LE Reports: Per-transaction pricing for individual life expectancy assessments requested on an as-needed basis.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

ISC Services provides individualized life expectancy (LE) reports and scalable underwriting solutions for life settlement companies, financial advisors, and senior living facilities. The firm applies a proprietary research-driven underwriting process and mortality tables to analyze actual medical records and produce longevity risk assessments, with services delivered via annual subscription or on-demand per-report billing. Since 2005 the company has issued more than 60,000 individual assessments covering 40,000+ unique individuals.

Product overview

ISC Services offers a unified portfolio of life expectancy underwriting solutions centered on its proprietary LE (Life Expectancy) reports. The company provides three core market-focused offerings—ISC for Life Settlements, ISC for Senior Living, and ISC for Financial Advisors—all built on the same underlying individualized longevity risk assessment methodology. Services are delivered through two models: subscription-based (for high-volume users requiring scalability) and on-demand (for periodic assessments). Each LE report includes mortality tables, mortality curves, and detailed analysis of medical history, lifestyle factors, and functional status.

Differentiator

Problem solved

Functional benefit

Products and services

• ISC for Life Settlements

Quantifiable outcome

• 60,000 individual assessments issued since 2005
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

Three partnerships are on record, tiered industry association and parent company.

• Life Insurance Settlement Association (LISA)industry associationOthers · 15 October 2020Industry association for the life settlement sector. ISC's Chief Development Officer Chris Conway served as Immediate Past President of LISA.
• European Life Settlement Association (ELSA)industry associationOthers · 2 January 2019European industry association for life settlements. ISC Services was approved for membership along with Corry Capital Advisors.
• Vitaro Groupparent companyOthersParent company of ISC Services. Vitaro Group includes multiple divisions: Vitaro Services, Vitaro Advisory, ISC Services, First Escrow, and Heritagemark.

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Lapetus Solutions: Lapetus Solutions provides life expectancy analytics and longevity risk assessments for life insurance and life settlement markets using biodemographic and mortality modeling. It is the closest direct competitor to ISC Services, applying individualized LE predictions to the same life insurance underwriting workflows.

Broad incumbents

• MIB (Medical Information Bureau): MIB is a member-owned data services organization serving the life insurance underwriting industry by sharing medical and consumer data among insurers. As a broad incumbent in the life underwriting data ecosystem, it intersects with ISC's medical-record-based LE assessment offering.
• ExamOne (Quest Diagnostics): ExamOne, a Quest Diagnostics subsidiary, provides insurance underwriting inspection services including paramedical exams, lab testing, and data collection for life insurers. As a broad incumbent, it overlaps with ISC's role in supplying medical-record-derived assessments for life underwriting decisions.
• EMSI (Examination Management Services Inc.): EMSI provides inspection and underwriting services for life and health insurers, including paramedical exams and medical record retrieval. As a broad incumbent in the insurance underwriting services market, it parallels ISC's function of feeding medical data into life underwriting workflows.
• Milliman: Milliman is a global actuarial consulting firm with a deep life insurance and mortality analytics practice. As a broad incumbent, its actuarial capabilities overlap with ISC's LE underwriting services, particularly for institutional life settlement and reinsurance clients.
• RGA (Reinsurance Group of America): RGA is a leading global life reinsurer with proprietary mortality analysis capabilities used to underwrite life insurance and longevity risk. As a broad incumbent with in-house LE expertise, it overlaps with ISC's value proposition for life settlement and senior living customers.
• Munich Re: Munich Re is a global reinsurance leader whose life reinsurance division operates proprietary mortality analytics for underwriting and pricing. As a broad incumbent, it competes for life underwriting and longevity risk mandates that intersect with ISC's service scope.
• Hannover Re: Hannover Re is a global reinsurer with a sizable life and health reinsurance practice that uses internal mortality analysis for underwriting. As a broad incumbent, it parallels ISC's focus on individualized longevity risk assessment for life insurance transactions.

Others

• Coventry First: Coventry First is a life settlement provider that procures life expectancy reports from third-party underwriters like ISC Services. It is included as a customer and ecosystem participant rather than a direct competitor.
• Quility: Quility is a technology and distribution platform serving the life settlement market, working with producers and providers who rely on LE underwriters like ISC. It is included as a life settlement ecosystem participant adjacent to ISC's customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ISC Services