In the November 2015 issue of Professional Paraplanner I took a look at the underwriting process. This is where an insurer decides whether they want to offer cover and whether the premium needs to go up (it never goes down!!)…
For health individuals this is generally straightforward but an old health condition- or something that is under control – could cause problems. This might result in a higher premium or being turned down for cover.
There are a few techniques that we have found to work well at EQ Investors which might be of interest.
Read more here http://viewer.zmags.com/publication/532ce028#/532ce028/21