by Tony Vidler.
When does your client want to have the drama with their insurance company? At underwriting time, or at claim time?
An confusing facet of the life & personal risk insurance business is the perception that some companies are easier to do business with than others due to underwriting processes….and while that is true to a degree, it is not always as simple as it seems. To be sure, different insurers have different retention levels, make some different morbidity and mortality assumptions occasionally, and they definitely target different parts of the consumer-market with their pricing and underwriting terms. These factors undoubtedly make a difference to the underwriting process for any personal risk proposals.
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