Q. How are favourable attributes and unfavourable attributes treated in the underwriting process?

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Q. What is the final extra mortality rating based on in the numerical rating method?

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Q. What are the different factors used for assessment by underwriters?

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Q. Which factors (other than health related) are included in the 1st phase of assessment by underwriters?

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Q. Which factors (other than health related) are included in the 2nd phase of assessment by underwriters?

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Q. Which factors (other than health related) are included in the 3rd phase of assessment by underwriters?

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Q. How do underwriters make a numerical or percentage assessment of risk for each phase?

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Q. What are the steps involved in the numerical rating method used by underwriters?

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Q. What is the value of standard risk?

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Q. What factors are assessed during the risk assessment phase in the numerical rating method?

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Q. How are numerical ratings assigned based on EMR?

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Q. What are the steps involved in the Numerical Rating Method for risk assessment?

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Q. What is the reference point value for each factor in the Numerical Rating Method?

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Q. What are the factors assessed in the risk assessment of an individual?

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Q. What are mortality rates and how are they used in the Numerical Rating Method?

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Q. What is extra mortality rate (EMR) and how is it used in the Numerical Rating Method?

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Q. What are the rating guides and manuals based on?

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Q. What do underwriting manuals contain?

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Q. What is the purpose of a credit rating in underwriting?

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Q. What is the purpose of a debit rating in underwriting?

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