Q. When using the numerical method, what type of points are assigned to negative or adverse factors?

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Q. What is the sum total of positive and negative points, often referred to as?

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Q. In the judgment method, when might an underwriting department seek the expert opinion of a medical doctor?

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Q. What does a higher EMR indicate in underwriting?

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Q. What does "Acceptance at ordinary rates (OR)" mean in underwriting decisions?

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Q. In underwriting, what is the most common way of dealing with the large majority of sub-standard risks?

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Q. What is the purpose of accepting with a lien on the sum assured in underwriting?

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Q. What does a restrictive clause in underwriting do?

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Q. When might an underwriter decide to postpone acceptance of a risk?

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Q. Which of the following cases is likely to be declined or postponed by a life insurer?

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Q. What are non-medical underwriting proposals in the context of life insurance?

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Q. What conditions are necessary for non-medical underwriting to be applicable?

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Q. What are rating factors in underwriting?

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Q. How might women's insurability in life insurance be influenced?

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Q. Under what conditions may a life insurance proposal for a minor be submitted?

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Q. What factors are considered when assessing insurance for minors?

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Q. When does the amount of insurance raise concerns for an underwriter?

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Q. What percentage of an individual's annual income is generally considered acceptable for life insurance premiums?

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Q. Why does the age of the proposed insured raise concerns for underwriters?

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Q. What kind of special reports might life insurers request for high sums assured or advanced age proposals?

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