Another electronic sticky note from my world famous Electronic Sticky Note series. One of these days I’ll remember some of these posts for some of the recipes I wanted to try but never did. 19 Easy Corn Recipes – https://www.budgetbytes.com/corn-recipes/
After participants consumed peanuts daily for 16 weeks, researchers observed improved insulin responsiveness in a group of brain regions in the right hemisphere. These included portions of the lingual gyrus, hippocampus, parahippocampal gyrus, and posterior cingulate gyrus, all of which contribute to memory-related processes. Scientists discover a surprising brain benefit of eating peanuts every day […]
The video – https://www.vumedi.com/video/the-truth-about-your-metabolism-as-you-age/ The AI summary highlights curated by a human – Subtle daily calorie surpluses (50-100 calories) accumulate over time, leading to gradual weight gain. Resting metabolic rate (RMR) decreases by 5-25% over a lifetime, compounded by age-related muscle loss (sarcopenia). Reduced NEAT (Non-Exercise Activity Thermogenesis): Daily unconscious movements and activities decline with […]
Upon reading the news on how pizza chains are suffering due to consumer preferences for chicken I decided to personally try to make a difference by eating pizza. Here’s last night’s order: Look at those discounts! The small cheese was free, the medium thin was a semi-permanent special always discounted, I had a $5.00 loyalty […]
When the conversation centers on finding the next “miracle ingredient,” we risk losing sight of what truly matters: filling our plates with fruits, vegetables, legumes, whole grains, and other minimally processed plant foods. Health rarely depends on a single food. Rather, it depends on the overall dietary pattern and the synergistic interaction between thousands of […]
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.