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Erschienen in:
1983 | OriginalPaper | Buchkapitel
The Nonmedical Application
verfasst von : J. David Cummins, Barry D. Smith, R. Neil Vance, Jack L. VanDerhei
Erschienen in: Risk Classification in Life Insurance
Verlag: Springer Netherlands
Enthalten in: Professional Book Archive
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Most of the material in part II is concerned with medical underwriting, that is, underwriting in which the insurance company pays for a medical examination that becomes part of the information considered in evaluating the risk. Due to rising medical costs, however, a growing proportion of insurance policies are issued without a medical examination. These nonmedical policies rely heavily on the application filled out for the policyholder by the agent.