Life Underwriting Jack of All Trades, Master of Hats

1. Life Underwriting Jack of All Trades, Master of Hats Allen D.Hixon, CLU,ChFC,FLMI,AALU Underwriting Managing Consultant State Farm Life Ins. Co.

2. Individual Life Underwriting • Medical Issues • The Financial Risk • The Motor Vehicle Risk • The Travel Risk • The Occupational Exposure • Avocation • Personal Risk Factors

3. Underwriting con’t • Criminal Risk • Aviation • Military Risk • International Applicants • Business Relationships • Beneficiaries • Insurable Interest and Ownership

4. Medical Risks • Old Health • New Health • The insurance exam • Bodily Fluids • Attending Physician Information • MIB • Special Tests

5. Financial Factors • The Basics • The Inspection • Teleunderwriting • Tax Forms • Financial Questionnaires • The Phone Call

6. The Driving Risk • Motor Vehicle Record • Boating • Alcohol-DWI • Motorcycle Risk

7. The Travel Risk • Prior to September 11 • Post September 11 • International Travel • US State Dept Travel Warnings • Risk Assessment • Ratings and Declines

8. Occupation, Avocation, Aviation • Occupation • Avocation-Hobbies-Sports • Aviation, Private, Commercial, Military

9. Personal Risk • Age • Gender • Martial Status • Sexual Orientation • Transsexuals

10. Misc. Risk Factors • Military Risk • Criminal Risk • Foreign Nationals • Beneficiaries and • Insurable Interest and Ownership Issues

11. In the News • Genetics and Underwriting • Research and Initiatives • Epidemics • Reinsurance • Privacy • Underwriting Manuals • Skin Sterol testing

12. First Year Death Claims • Natural Causes 62% • Accidental Death 38% • Average age of death, 41 years of age • Motor Vehicle Deaths • Heart Disease • Cancer • Homicide

13. Web Links • Swiss RE. http://www.swissre.com/ • US State Dept. http://www.state.gov/ • US Dept of Treasury. http://www.treas.gov/offices/enforcement/ofac/ • Medicine/Merck. http://www.merck.com/mmhe/index.html • Yogi Berra. http://www.rinkworks.com/said/yogiberra.shtml

14. Q and A