François Sestier, MD, PhD, FRCPC, FACC, CIME, is a Cardiologist and Life Expectancy Calculations consultant. An expert in his field, Dr. Sestier has delivered over 2,000 lectures around the world and authored over 45 publications. He has served as a Consultant and Medical Director for insurance companies for nearly 30 years.
Consulting - In his capacity as a medical officer for various insurance companies, including Quebec and Ontario Blue Cross since 1985 and Optimum Re Insurance Company since 2002, Dr. Sestier has reviewed over 1,000 applications for life Insurance, giving advice on the Mortality and Life Expectancy associated with the applicant's medical conditions. He has performed calculations on such diverse conditions as traumatology, traumatic brain injury, spinal cord injury, morbid obesity, diabetes, different cardiac pathologies, sudden death, stroke, cerebral palsy, epilepsy, asthma, chronic obstructive lung disease, liver cirrhosis, hepatitis B and C, and all kinds of cancers, leukemias and lymphomas.
Dr. Sestier - Life Expectancy Calculation
Education - Dr. Sestier graduated from medical school in Nancy, France, 1967, where he obtained certification in Cardiology, Pneumology, Occupational Medicine, and Aeronautical Medicine. In Canada, since 1973, he obtained a Quebec certification in cardiology (CSPQ), and a fellowship in cardiology of the Royal College of Physicians and Surgeons (FRCPc). Dr. Sestier also obtained a PhD in Experimental Medicine (McGill, 1977) and certifications from the American Board of Insurance Medicine (1995) and the American Board of Independent Medical Examiners (2011).
Associations - Dr. Sestier is a past president of CLIMOA (1996-1997 and 2016-2017), the Canadian Life and Health Medical Officer Association, past-president of CSME (2011-2013), the Canadian Society of Medical Evaluators, and the past president (2010-2012) of AIDC, the world association of medical experts. He is also a Professor of Medicine at the University of Montreal and since 1999 director of the bilingual program of Insurance and Medicolegal Expertise at University of Montreal.
A book chapter by Dr. Sestier and Dr. Vachon describes the life expectancy calculation methodology used by these authors: Vachon P and Sestier F: Life expectancy calculation. In Life Care Planning, PMR clinics of North America, M. Lacerte and C. Johnson, ed., Elsevier publ. New York, August 2013, pp 539-551.
Medical experts are sometimes perceived as mercenaries, selling their opinion for money. This has been favoured by the adversarial judicial system in North America with medical experts on both the sides of the Court Room. Medical experts too often believe firmly that their main duty is to help the requesting party to win their case.