Online course: UND 386 – Underwriting Life and Health Insurance

LOMA 30 Iulie 2019

Trainer: N/A


UND 386 introduces risk assessment principles applied to underwriting individual and group life and health insurance, including specialized policies and supplemental coverages.

All LOMA courses have been reviewed and updated as appropriate to reflect the DOL Fiduciary Rule.

This course counts as credit toward the following designation programs: PFLP.

The learners will be awarded with a personalized certificate upon the successful completion of the course and the related I*Star (Individually Scheduled Test and Results) exam within 6 months after the enrollment.

Language: English

The course is online can be accessed both from computer and mobile devices.

Grup țintă

Employees of companies from the insurance and financial services industry.

Obiectivele cursului

  • Describe the goal of underwriting and explain how underwriters achieve sound underwriting practices.
  • Define and describe the major risk classifications, typical risk classes, risk assessment protocol, and underwriting philosophy for both individual insurance products and group insurance products.
  • Explore how various laws and regulations impact insurance company underwriting practices for both individual and group insurance policies.
  • Describe how underwriters use information obtained from an insurance application, a producer, an inspection report, or a personal questionnaire in underwriting individual life insurance, and how factors such as age, sex, family health history, citizenship status, motor vehicle records, hobbies, annual income, lifestyle choices, and criminal history influence the policy underwriting decision.
  • Explain how data mining, predictive modeling, business rules engines, document management systems, and workflow automation apply to the underwriting of insurance.
  • Identify the needs satisfied by business insurance and factors important to the valuation of a business, particularly when buy-sell agreements, key-person insurance, split-dollar plans, deferred compensation plans, and creditor insurance are included features.
  • Identify the parties to a master group insurance contract and describe the requirements that the parties must meet to form a valid group insurance contract, as well as the types of groups generally eligible for group insurance coverage under state regulatory requirements.
  • Recognize the types of groups that qualify for group insurance coverage–including employer-employee groups, multiple-employer groups, association groups, and debtor-creditor groups–and explain how underwriting guidelines vary for each type of group.


30 hours

The displayed period is indicative, being online the course is available at any time.

The course can be completed within 6 months of enrollment.


The necessary investement for this course is of 360 USD+VAT/participant.

The participation fee may be subject to changes based on LOMA policy.

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