In many different applications (Solvency Capital Requirement, Best Estimate of Liabilities computation, Economic Balance Sheet statement, insurance products pricing, profit analysis…), insurance companies use lifetables to model the probability of death or survival. Adverse selection is the fact that, depending on the features of the insurance products underwritten, policyholders could present different behavioral or health characteristics. This could lead to observe different death probabilities between policyholders of the same age among the different products. For Valuation and Risk Management purposes, as this difference could be large, it should therefore be accounted for. The lifetables will thus be different for some segments of insurance policyholders and will be different from the general population mortality (of a country for example). By using adapted life tables, the insurance company can take into account the adverse selection. Calibration of such tables will be based on a trade-off between appropriateness (specific features of the policyholders adequately captured) and accuracy (sufficient volume of data to obtain reliable parameters).