This research reviews changes in life insurance
underwriting standards over the 15-year period 1984-1999. Life insurance
underwriting standards, as the term is used in this research refers to the criteria applied by life insurance underwriters in assessing risk in relation to insuring lives, accepting or rejecting
applications for life insurance, and establishing rates for life insurance (St. Jean 10). Life insurance underwriters review applications for insurance coverage submitted to the insurance company. The underwriter assesses the potential risk of the applicant, and accepts, rejects, or modifies the policy according to law or company standards. The basic concepts from which
underwriting ..."