Important Points for IC 22 - Life Insurance Underwriting Exam

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  • Pre-diabetes is an intermediary stage between the healthy stage and the diabetic stage in an individual. Individuals who are diagnosed with pre-diabetes later on develop Type 2 diabetes.
  • The two most popular test that are used for diagnosis of the potential pre-diabetes condition are : Morning fasting glucose test, 2-hour post glucose test
  • The purpose of clinical review is : to check and advise on diabetic control, to look for evidence of diabetic complications, to monitor therapy
  • Applicants may be required to produce evidence of old medical records at the time of underwriting.
  • Underwriting risk selection would require carefully reviewing of blood reports and review of medical records to accurately assess the excess mortality risk in diabetic applicants.

Life Insurance Underwriting

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