Overview
Underwriting is a term used by financial service providers, including insurance companies that assess the eligibility of a customer to obtain products. In the case of life insurance underwriting describes a company’s process for reviewing, approving, modifying, and perhaps rejecting a life insurance application. This course provides a comprehensive overview of the life insurance underwriting process, explaining how different risk factors such as age, occupation, and personal habits affect the selection and classification of risks.
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License or Certification
Regulator
Type
Learning Objectives
- Explain the underwriting factors that affect life insurance premiums
- Cite the most commonly used risk classifications for life insurance
- Describe the steps in the underwriting process
- Explain the medical and non-medical criteria that underwriters use
- Understand the role of automated underwriting and when the expertise of an actual person is needed
- Explain the valuable role that field producers play in the underwriting process
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Course Information
Adding additional credit may change exam requirements.
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S2-32 - Framework