Between July 1 and Aug. 18, Eagle County Sheriff’s Office dispatch logged 290 bear calls, while Colorado Parks and Wildlife (CPW) received 81 reports — 47 involving property damage. Bear activity surging in Eagle County – https://www.vaildaily.com/news/bear-activity-surging-in-eagle-county/ There will be NO pickups in the back alley.
Cyclospora cayetanensis lives only in people. It reaches a lettuce field exactly one way, which is human waste getting into the irrigation water or onto the ground. That is not something lettuce does. It is something we do upstream of lettuce, and the record says so every time. FDA’s advisory changed this month from an onsite […]
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I don’t really understand what underwriting is, let alone accelerated underwriting. I looked it up and read a couple articles from Google, but still don’t understand it. I know it has something to do with risk. I remember when my mother was in her 80s, I had to look around for quite a while to find a policy that would still cover her. She was going to be dropped by her old one. Actually with my mother as I recall it was an annuity not life insurance. So that may be different.
Remember I come from a life insurance background, underwriting specialist at your service. Put simply the underwriting process is risk selection, deciding who qualifies for coverage and at what price. It has been my life’s work to understand the things that impact an individual’s longevity and charge premiums appropriately.
Accelerated means time to issue. Companies are shortening the time it takes to underwrite by streamlining processes and using alternative data sources instead of medical records from doctors and hospitals.
Your clear concise reply explains this concept so much better than multiple google pages. Thank you!
Is this different from an actuary?
Yes. Actuaries use complex models to set prices for large groups of people. Underwriters work supports the actuarial pricing model on a case by case basis. Bad underwriting = lower or no profits. Bad actuarial pricing means the company is really screwed.