AYAH (PISAH SAMBUT DIREKTUR UTAMA 25 JANUARI 2011)
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PRINCIPLES OF UNDERWRITING
CHAPTER 1 PRINCIPLES OF UNDERWRITING Underwriting is the process of : assessing and classifying the degree of the risk represented by a proposed insured or group with respect to a specific product, and making a decision concerning the acceptance of the risk The people and entities involves in the creation and operation of an insurance policy. The term producer to refer to any persons or entity that: sells insurance, including agents, brokers, financial advisors, and banks is involved in insurance sales made through direct marketing or the Internet The terms underwriter refers to an insurance company home office or regional office employee who performs the risk assessment and selection process. The applicant is the person or entity who submits an application for the individual insurance and seeks to purchase the insurance cover. The Insured ( Assured ) is the person whose life or health is covered by an individual insurance policy. During in underwr...
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