LIFE UNDERWRITING -PRINCIPLES & CONCEPTS (PART-1):
Concepts of underwriting, Assessing the individual Risk, Selection of Lives, Classification of risks , Types of risks , Sub-standard lives and other extra risks.
LIFE UNDERWRITING --PRINCIPLES & CONCEPTS (PART-2): Numerical rating, Method of Loading, Terms of Acceptance, Dating back of Policies.
UNDERWRITING---STRUCTURE & PROCESS: Processing of the Proposal ( application ) form, Structure of an Underwriting function, Financial powers in underwriting, Chief Medical Officer—CMO, Medical documentation in underwriting , Additional underwriting requirements , Underwriting philosophy & risk management, Challenges faced in underwriting.
FINANCIAL UNDERWRITING: Introduction, Purpose of financial underwriting, Personal Insurance Cover, Insurance on Housewives/ women with no earned income , Insurance on juveniles,
Key Person Insurance, Partnership Insurance, Insurance under Employer-employee Scheme, Insurance under Hindu Undivided Family(HUF), MWP Act.
OCCUPATIONAL, VOCATIONAL AND RESIDENTIAL RISKS: Source of Information to Assess, Basic risk Factors for Occupations and examples, Basic risk factors for Avocation and examples, Residential Risk, Basic factors for Residential Risk. REINSURANCE: Need for Reinsurance, Types of reinsurance, advantage of Reinsurance.
BLOOD DISORDERS : functions of blood , components of blood, blood cells made, the functions of the blood cells, Complete Blood Count (CBC), components of Complete Blood Count (CBC), Peripheral Blood Smear, Anaemia- its causes and classification, Iron Deficiency and Thalassemia, Risk Assessment of Anaemia, Other forms of Blood Disorders. NERVOUS SYSTEM: components of the Nervous System, main structures involved in the Central Nervous System - main components of the Peripheral Nervous System, Cerebro Spinal Fluid (CSF) and the meninges, common disorders of the nervous system, common signs and symptoms of nervous system disorders, common investigations done for diagnosing disorders of the nervous system, Short description of the common nervous system disorders, Underwriting Stroke ,Underwriting Epilepsy. DIABETES MELLITUS: What is Diabetes, types of diabetes, criteria for considering Diabetes Mellitus, complications of diabetes, Clinical assessment of diabetic applicants, Treatment of Diabetes, underwriting considerations . THYROID DISEASES: Thyroid Gland, the common problems encountered with the thyroid gland, hypothyroidism, the main causes of hypothyroidism, Hypothyroidism diagnosed, hypothyroidism treated, underwriting implications of hypothyroidism, hyperthyroidism, main causes of Hyperthyroidism, hyperthyroidism diagnosed, underwriting implications of hyperthyroidism. URINARY SYTEM: components of the Urinary System, proteinuria and albuminuria, Albuminuria classified, Is the proteinuria always an unfavorable finding?, Hematuria, causes of hematuria, Kidney Disease Diagnosed, BUN and Serum Creatinine, some disorders of the urinary system and their underwriting implications. THE RESPIRATORY SYSTEM: Introduction to the Respiratory System, Components of the Respiratory System, Mechanics of Breathing, Common Respiratory Conditions and underwriting implications, Asthma, Bronchitis, Emphysema , Chronic Obstructive Pulmonary Disease (COPD), Tuberculosis . GASTROINTESTINAL: CARDIOVASCULAR SYSTEM: Introduction to the Cardiovascular System and common terminology, common investigations done for diagnosing disorders of the cardiovascular system, Blood Pressure and Hypertension, Coronary Artery Disease, Outline of Valvular Heart Disease, Outline of Congenital Heart Disease. DISORDER OF THE EYES, EARS AND NOSE: Anatomy of the Eye, Parts of the eye, Disorders of the Eye, Underwriting considerations, Disorders of the Ear, Underwriting considerations Disorders of the Nose, Underwriting considerations.
