Question

Under what circumstances may an underwriter treat a proposal under the medical scheme even if the client falls under the norms applicable for non-medical acceptance according to the non-medical grid?

a.

If the client has some adverse medical history

b.

If the client has a very high or very low BMI

c.

If the underwriting guidelines formulated by the company require it

d.

All of the above

Answer: (d).All of the above Explanation:In some cases, even though the client falls under the norms applicable for non-medical acceptance according to the non-medical grid, the underwriter may treat this under the medical scheme if the client has some adverse medical history or very high or very low BMI (body mass index) etc. relating to the underwriting guidelines formulated by the company.

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Q. Under what circumstances may an underwriter treat a proposal under the medical scheme even if the client falls under the norms applicable for non-medical acceptance according to...

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