Important Points for IC 22 - Life Insurance Underwriting Exam

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  • Proteinuria and albuminuria are indicators that the kidneys are damaged in some way.
  • Hematuria means blood in the urine. There are two kinds of hematuria ? microscopic hematuria and gross hematuria.
  • Kindly diseases can be diagnosed through urinalysis, renal function tests, imaging tests, renal biopsy, renal angiography, cystoscopy etc.
  • At the time of underwriting a proposal involving a kidney stone problem, the underwriter should consider whether there are any metabolic or systemic underlying disorders that may increase the risk of mortality.
  • For underwriting a proposal, a case with chronic kidney disease (CKD) at early stage will be classified as sub-standard case and cases of advanced CKD are usually declined.

Life Insurance Underwriting

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