Description: Shows how to use personal information such as medical history, family characteristics, etc. in a logical statistical fashion for the purpose of modifying an existing mortality table to reflect the collected underwriting information.

Description: This report documents the work of the UCT with respect to development of an algorithm used to score preferred risk class structures, producing Relative Risk Scores and Prevalences. It is built for both knockout and debit-credit scoring methodologies.

Description: These assumption tables provide the range and cumulative values used in the Relative Risk Tool in the calculation of Relative Risk scores and Prevalence values.

Description: Isolated T-wave abnormalities - that is, abnormal T waves in an otherwise normal electrocardiogram - are a difficult finding to evaluate and one on which there is no unanimity, either on their significance or on what constitutes an abnormal T wave. In this study, the author has concluded that even minor T wave abnormalities require a rating and that T-wave abnormalities almost always indicate heart disease is present or will soon become manifest.

Description: This article discusses whether or not the Preferred risk class wears off over time.

Description: This spreadsheet allows you to calculate the Underwriting Criteria Score, Relative Risk Ratios [RRR] and prevalence related to the RRR for one or more sets of underwriting criteria from a preferred risk underwriting program. The RRR may be used to determine the specific valuation mortality table to be applied to the particular underwriting risk class.It assists companies in calculating underwriting criteria scores as outlined in the Underwriting Criteria Team Report. Please see the SOA website for the full Underwriting Criteria TeamReport.

Description: This is a guide to underwriting literature which covers a broad range of underwriting issues and the actuary's role in underwriting.

Description: This paper studies mortality differences between right and left-handed professional baseball players by examining the times of, and ages of, death of more than 6,000 players who died before 1990.

Description: This is a panel discussion on individual life insurance underwriting principles and practices that occurred in 1976. It discussed a paper by Alton Morton entitled Individual Life Insurance Underwriting Principles and Practices: A 1976 Review.

Description: This report presents the results of a survey conducted in August and September of 2008 on foreign travel underwriting practices of direct writing companies.