Double jeopardy

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One UK annuity provider has a nifty tool on its website where users can input a few simple facts such as postcode, income and smoking habits and receive an instant estimate of their likely life expectancy. Sadly for other insurers looking for a cheap and easy way to calculate the longevity risk carried on their books, this figure is accompanied by a caveat that says the company "cannot guarantee the applicability or accuracy of the results".

Longevity is a complex issue, one that cannot be

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