Book Index

UNDERWRITING: What Every Producer Must Know 249

INDEX A Age and amount (screening) requirements, 27, 30-67 AHOU. See Association of Home Office Underwriters “AIDS test,” 44, 46, 48-49, 51 Alanine aminotransferase, 44, 111-13, 116, 126, 227-228 Albumin (blood), 44, 125, 243, 245 Alcohol abuse, 115, 130, 233-237 Alcohol markers, 74-77 Alcoholism, 115, 130, 233-237 Alkaline phosphatase, 44, 110-111, 114 ALT, 44, 111- 113, 116, 126, 227-28 Angina pectoris, 213-155 Ankle:brachial index (ABI) test, 41, 218 Antiselection, 138, 156-162 AP. See Alkaline phosphatase Appeals, 172-173 Application, 23-25, 181 APS. See Attending Physician Statement Areca nut, 91-92 Aspartate aminotransferase, 44, 111-14, 126 Association of Home Office Underwriters, 2, 145 AST, 44, 111-114, 126 AST-to-ALT ratio, 111 Attending Physician Statement 32-36, 132-136, 142-145, 159, 223 cost of, 34-35 Audits, underwriting, 9-11 Automated underwriting. See Underwriting Engines Aviation in preferred underwriting, 130

B

Beedies. See Bidis

250 UNDERWRITING: What Every Producer Must Know

Betel use, 91-92 BGA, 12-13 Bidis, 91 Bilirubin, 44, 110 Binge drinking, 234-235 Blood pressure, 71, 117, 122-123, 126 Blood profile, 43-46 Blood sugar (glucose), 44, 71 Blood urea nitrogen, 44, 46 BMI, See Body mass index Body mass index (BMI), 122, 243 Breast cancer, 222-223 Brokerage general agencies, 12-13 Build, 122, 243 BUN, 44, 46 Business needs coverage, 180, 195-203 Business valuation, 196-199 Buy-sell, 196-198

C

CAD. See Coronary artery disease Cancer underwriting, 128, 219-226 Carbohydrate deficient transferrin, 66, 74-77 Carcinoembryonic antigen, 81-82, 220 Case managers, 16 CDT, 66, 74-77 CEA, 81-82, 220 CHD. See Coronary artery disease Chest x-ray, 61-62 Chewing tobacco use, 89 Cholesterol, 44, 123-125, 230 HDL-C ratio, 44, 123 low, 125, 230 Cigar use, 87-88, 126 Cigarette use, 85-87, 90, 94-95, 125, 169, 243, 245

UNDERWRITING: What Every Producer Must Know 251

Clove cigarettes. See Kreteks Cocaine, 47, 49, 51, 101-107, 238-239 Cognitive dysfunction, 126, 241-243 Cognitive function markers, 241-243 Coronary artery disease, 128-9, 213-216 Cost/benefit study, 28-29 Cotinine test, 47, 49, 51, 93-101, 127 Cover letter, 166-167, 182 Cover memo. See Cover letter Coverage on children, 189-190 Creatine blood, 44 urine, 47-48, 103 Cycle time in underwriting, 140-142 Cystatin C, 80-81, 126, 246

D

Declined cases, 171 Deferred compensation, 202-203 Dependent spouses, 189 Designated auditor, 10 Diabetes mellitus, 71, 126-128, 117, 216-219 Direct-to-consumer medical testing, 160-162 Drilldown questions, 133 Driving records in preferred underwriting, 64-66, 129-130 Drug abuse underwriting, 237-239 Drug screening, 102-103 Drunk driving, 65, 115, 129, 135 DUI. See Drunk driving DWI. See Drunk driving

E

Earned income, 188

252 UNDERWRITING: What Every Producer Must Know

ECG, 56-59 Education for underwriters, 16-18 eGFR, 44, 46, 126 EKG, 56-59 Elderly underwriting, 240-246 Elective (reflexive) requirements, 27, 68-81 Electrocardiogram, 56-59 Electronic medical records, 143-134 Environmental tobacco smoke, 96 Estate conservation coverage, 190-195 Estate tax, 190-195 ETS. See Environment tobacco use Exceptions, 173 Exercise ECG (EKG), 59-61, 78 Exercise electrocardiogram, 59-61, 78

F

FALU designation, 2 Family history in preferred underwriting, 127 Fatty liver, 113 Field manual, 16 Field service, 13-15 File closing, 170 Financial statements, 183-184 Financial underwriting, 175-210 Frailty, 125-126, 241-243 Frailty markers, 241-243, 245 Free PSA (fPSA) test, 54 Fructosamine, 44, 71 Future Value Interest Factor, 191-192

G

Gamma-glutamyltransferase 44, 110-111, 113-117, 126, 229

UNDERWRITING: What Every Producer Must Know 253

Gas chromatography with mass spectrometry, 103 GC-MS test, 103, 105 Genetic tests, 161-162 GGT, 44, 75-76, 110-111, 113-117, 126, 229 GGTP. See GGT Globulin, 44, 46 Glomerular filtration rate, 44, 46, 126 Glucose, blood (blood sugar), 44, 71 Glucose, urine, 47-48 Glycohemoglobin, 70, 72, 126, 217, 246 Glycosylated hemoglobin. See Glycohemoglobin

H

HAA, 74-77 “Hank’s 12 Rules,” 168-169 Hazardous avocations in preferred underwriting, 130 HbA1-c, 70, 72, 126, 217, 246 HBeAg, 73 HBsAg, 73 HDL-C, 44, 114, 123-125 Health habits in underwriting, 150-151 Heart attack, 128-129, 213-215 Heavy drinking, 111, 115-116, 233-234 Hematuria. See Red blood cells in urine Hemochromatosis, 113 Hemoglobin-associated acetaldehyde, 74-77 Hemoglobin test, 79-80, 246 Hepatitis B, 72-74, 113 Hepatitis C, 72-74, 113, 227-230 Herbal teas and cocaine testing, 105 High blood pressure. See Hypertension HIV-1 test, 44, 46, 48-49, 51 Home medical testing, 160-162 Hookah. See Water pipe Hot Notes, 17

254 UNDERWRITING: What Every Producer Must Know

hs-CRP, 81 Hypertension, 71, 117, 122-123, 126

I

Impaired fasting glucose (IFG). See Prediabetes Impaired glucose tolerance (IFG). See Prediabetes Income multiplication factor, 187 Income replacement coverage, 186-189 Informal,168 Inspection reports, 66-67, 176, 182-183 Insurable interest, 178-180 Investor-owned life insurance. See IOLI IOLI, 176, 179, 181, 184, 194, 203-205, 207-209

J

Jet underwriting, 153 JournalScan, 17

K

Key person, 180, 198-200 Kreteks, 91

L

LDL-C, 44 Loan coverage business, 180, 200-202 personal, 180, 195

UNDERWRITING: What Every Producer Must Know 255

M

Marijuana, 101-102, 104, 237-238 Medical Examination, 41-43, 133-134, 163, 168 Medical Information Bureau, 159 Methamphetamine, 101-104, 106-107. 239 MI. See Myocardial infarction MIB, 159 Microalbumin test, 70-72 Misrepresentation, 138, 156-162 Motor vehicle report, 64-66, 129-130 Mucosal transudate, 49 MVR. See Motor vehicle report Myocardial infarction, 128-129, 213-215

N

NAFLD. See Nonalcoholic fatty liver disease Nargile. See Water pipe NASH. See Nonalcoholic steatohepatitis Net worth, 193-194 Nicotine gum use, 96 Nicotine patch use, 96-97 “Nicotine test.” See Cotinine test Non-medical, 36-38, 133-4, 163 Nonalcoholic fatty liver disease, 111-113 Nonalcoholic steatohepatitis (NASH), 113 Nondisclosure, 138, 156-162 NT-proBNP, 78-79, 81, 126, 215, 246

O

Occupations in preferred underwriting, 130 Older-age underwriting, 240-246 On the Risk, 17, 42 Opiates, 102

256 UNDERWRITING: What Every Producer Must Know

Oral fluid testing, 49-52 Oral tobacco use. See Smokeless tobacco use

P

Pack-years of cigarette use, 86-87, 127, 243, 245 Paramedical, 38-41, 133-4, 163, 167-168 Personal history interview, 66-67, 134, 176, 182-183 Pharmacy profile, 62-64 Phencyclidine, 102 PHI. See Personal history interview Pipe use, 88-89 Poppy seeds and drug testing, 106 PP. See Pulse pressure Prediabetes (IFG, IGT), 71, 126, 217 Preferred risk, 118-131 criteria, 120-131 Premium finance, 203-212 Prostate cancer, 221-222 Prostate specific antigen, 52-55, 220-221 Protective value study, 28 Protein, urine, 47-48, 71, 218 PSA. See Prostate specific antigen Psychiatric disorders, 230-233 Pulse pressure (PP), 41, 123 Pyuria. See White blood cells in urine

R

Reconsiderations, 170-171 Red blood cells in urine, 47-48 Reflexive requirements, 68-81 Reinsurers and financial underwriting, 185 Reinsurers and teleunderwriting, 146 Remote underwriting, 6

UNDERWRITING: What Every Producer Must Know 257

Rx profile, 62-64

S

Saliva testing, 49-52 Screening requirements, 30-67 Shisha. See Water pipe Signature limits, 7- 8 Signatures on application, 24-25, 140 Skin cholesterol test, 82 Smokeless tobacco use, 89-90, 100, 127 “Smoker preferred,” 126-127 Snuff use, 89-90 Source of business in financial underwriting, 182-183 Specific gravity, 47-48, 103 Steatosis, 113 Stock redemption, 196-198 STOLI, 176, 179, 181, 184, 194, 203-205, 207-209 Stranger-owned life insurance. See STOLI Substandard, 3

T

Tax statements, 184 TC-to-HDL-C ratio, 44, 123 Telecommuting, 6 Teleinterview, 38, 132-151, 166 Teleinterviewers, 137-9 Teleunderwriting, 132-151, 166 Thiocyanate test, 100 Tobacco lozenge, 89-90 Tobacco use underwriting, 92-94 Total protein (blood), 44, 46 Treadmill stress test, 59-61, 78 Trial application, 168

258 UNDERWRITING: What Every Producer Must Know

Triglycerides, 44, 124-125 Trust documents, 181 Turnaround time in underwriting, 140-143

U

Underweight, 125, 243-244 Underwriter Alert, 17 Underwriter assistants, 15-16 Underwriter education, 16-18 Underwriting Audits, 9-11 Engines, 151-155 Manual, 20-23 Practices, 19 Study groups, 18 Unearned income, 188 Uric acid, 44 Urine Creatinine, 47-48, 103 Glucose, 47-48 Profile, 47-48 Protein, 47-48, 71, 218 Specimen tampering, 103

W

Waist circumference, 41 Water pipe, 91 Weight loss, 125, 243-244 White blood cells in urine, 47-48