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 Life and Health Insurance Underwriting Chapter 11 Group Insurance Underwriting Activities  After studying this chapter, you should be able to.. State the purpose of the request for proposal (RFP) and identify the information it provides and the documents it include (menyebutkan maksud atau tujuan dari permintaan proposal dan mengidentifikasi informasi yang idberikan dan dokumen yang disertakan) Describe the information the group underwriter receives in an agent's statement and in certain ERISA documents (menjelaskan informasi yang diterima oleh underwriter dalam pernyataan agen dan dokumen ERISA) State the purpose of the proposal for insurance and the master application and describe the information provided by each document (menyebutkan tujuan daro proposal asuransi dan master application serta menjelaskan informasi yang diberikan oleh tiap2 dokumen) Calculate a group's annual premium, given a certain premium rate, benefit unit, and number of employees (menghitung premium tah...

 LIFE AND HEALTH INSURANCE UNDERWRITING PART 2 : UNDERWRITING INDIVIDUAL LIFE AND HEALTH INSURANCE CHAPTER 3 LEGAL ASPECTS OF UNDERWRITING INDIVIDUAL POLICIES After studying this chapter, you should be able to: Define the terms valid contract, void contract and voidable contract Identify the requirements for the creation of the valid insurance contract Distinguish between a misrepresentation and a material misrepresentation made in the formation insurance contract Distinguish between binding premium receipts and conditional premium receipt Identify factors that nondiscrimination laws and regulations prohibit insurers from considering during underwriting of insurance (mengidentifikasi faktor2 yang dilarang undang-undang dan hukum nondiscrimination yang menjadi pertimbangan selama underwriting of insurance) Describe the medical testing and disclosure requirements associated with the underwriting of AIDS-related conditions (menjelaskan persayaratan medical testing dan pengungkapan yan...