Life Insurance Underwriting Guide

By | April 25, 2009
Great article on the factors and issues that will arise when applying for life insurance. These are some of the most important items to watch for and discuss with your agent or broker. Identifying any issues up front can give you a better idea of what rate class you may be placed in and what your premiums may end up being.
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What factors are considered in individual life insurance underwriting?
Life insurance companies each have their own extensive policy and procedure manuals they are supposed to follow in determining whether or not to issue an Individual Life insurance policy, and in pricing that policy. The insurer’s underwriters typically use a combination of factors that experience shows equates with the risk of death (and premature death).
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