Description: This is a discussion on the subject of simplified underwriting and guaranteed issue. This panel will explore 4 distinctly different guaranteed issue approaches the creation of underwriting pools for agencies and agents in the individual non-pension insurance sales area with respect to business insurance guaranteed issue mortality experience in the individual policy pension trust area how guaranteed issue underwriting is used in some direct-response marketing and finally, offering of additional insurance on a simplified underwriting basis for certain classes of existing policyholders.