Important Points for IC 22 - Life Insurance Underwriting Exam
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In the case of underwriting for individuals who suffer from occasional attacks of acute bronchitis which resolves with treatment does not attract any special ratings.
In the case of underwriting for individuals who suffer from chronic bronchitis, the underwriters can offer special insurance terms which can vary between mild ratings (reversible stage, non smoker) to declinature (severe, irreversible chronic bronchitis, particularly in smokers).
Emphysema is also a chronic lung disease. Emphysema frequently occurs in association with chronic bronchitis.
Tuberculosis is a bacterial infection that is caused by the bacteria mycobacterium tuberculosis.
Tuberculosis gets transmitted from one individual to another when an individual suffering from TB sneezes, coughs or talks.
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