Abstract: A system used by a underwriter for evaluating life insurance applications. The system provides graphical user interfaces (screens) that are used to select conditions applicable to the insurance applicant, and to select ratings associated with those conditions. The ratings can be manually entered by an underwriter or entered automatically when selected at a screen. Ratings are displayed individually and as a total rating. The ratings may be manually adjusted by the underwriter. The system automatically calculates (using a mortality table) the life expectancy of the applicant based the total rating, and the life expectancy is recalculated when a rating is adjusted by the underwriter. The life expectancy is displayed side-by-side to ratings information on the screens so that the underwriter can visually determine the impact of ratings and adjustments to ratings on the life expectancy of the applicant.