Q. What is the Agent's Confidential Report (ACR)?

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Q. What is the purpose of determining the medical or non-medical basis of a proposal?

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Q. What factors are generally considered in the norms for determining whether a proposal is to be underwritten on a medical or non-medical basis?

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Q. What is BMI used for?

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Q. What is the purpose of calculating the medical-sum-at-risk?

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Q. What is the difference between MSAR and FSAR?

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Q. What is the purpose of a pre-insurance medical examination?

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Q. Who conducts the pre-insurance medical examination?

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Q. What is included in a pre-insurance medical examination?

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Q. Who pays for the costs of the medical tests?

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Q. What are the additional questionnaires provided to clients during the pre-insurance medical examination for?

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Q. What tests may be conducted during a pre-insurance medical examination?

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Q. How are medical examinations carried out by insurance companies?

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Q. What is the maximum time limit set by IRDA for processing life insurance proposals by insurance companies?

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Q. What triggers the underwriting process of a life insurance proposal?

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Q. What is the role of underwriters in the life insurance underwriting process?

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Q. How has the processing time for the end-to-end underwriting process changed in recent times?

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Q. What happens if the premium to be charged comes to a higher value than what the client applied for through the quote?

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Q. Why might the final premium over-ride the initial quote generated at the pre-underwriting stage?

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Q. What happens if the client does not agree to the terms of the counter-offer suggested by the insurer?

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