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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Q. What is the extra mortality rate?

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Q. What is the purpose of underwriting manuals in insurance and reinsurance?

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Q. What are mortality rates?

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Q. What is extra mortality rate or EMR?

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Q. What is the concept of favourable and unfavourable factors in risk assessment?

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Q. What is the value range of a standard life in risk assessment?

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Q. How are credit ratings used in risk classification?

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Q. What does an extra mortality rating of 100% imply?

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Q. What is the final rate based on which the applicant is classified in the risk classification process?

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Q. How is the total accumulation of debit and credit rounded off in the risk classification process?

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