Personal Lines Underwriters: A Case Study

This unit seeks to enable you to develop essential skills and knowledge to support your future work either as

Sandra Sanchez is a vice principal for Los Santos High School. She has been approached by the principal of Los Santos and the superintendent to head up a pilot to implement the Common Core standards. Sandra was selected given her experience with the bilingual makeup of the district, and her work on her PhD in assessment. In addition the district had decided to bring in an outside design consultant, Vincent Peters, to assist Sandra in developing the training courses and assessment that will be used in the pilot at Los Santos. Given these dynamics it is apparent that the client is the Los Santos High School. It could be debated that Sandra is the client, but since she will be assisting in the full design process of both the training and the assessment she falls more into the designer classification. Vincent’s role is solely the designer of the training and assessment he will just have support from Sandra in doing so.

In Maryland, insurance policies are generally construed in the same manner as contracts. Collier v. MD-Individual Practice Ass 'n, Inc., 327 Md. 1, 5, 607 A.2d 537 (1992). An insurance contract, like any other contract, is measured by its terms unless a statute, a regulation, or public policy is violated thereby. Pac. Indem. Co. v. Interstate Fire & Cas. Co., 302 Md. 383, 388, 488 A.2d 486 (1985). We do not follow the rule, adopted in other jurisdictions, that an insurance policy is to be construed most strongly against the insurer. Collier, 327 Md. at 5; Cheney, 315 Md. at 766. We construe the instrument as a whole in order to determine the parties’ intent. Pac. Indem., 302 Md. at 388; Collier, 327 Md. at 5; Aragona v. St. Paul Fire & Marine Ins. Co., 281 Md. 371, 375, 378 A.2d 1346 (1977). In order to determine the intention of the parties, “Maryland courts should examine the character of the contract, its purpose, and the facts and circumstances of the parties at the time of execution.” Pac. Indem., 302 Md. at 388 (citations omitted). In doing so, we give the words their usual, ordinary, and accepted meanings. Id.; Mut. Fire Ins. Co. v. Ackerman, 162 Md. App. 1, 5, 872 A.2d 110 (2005) (citing Nationwide Mut. Ins. Co. v. Scherr, 101 Md. App. 690, 695, 647 A.2d 1297 (1994)). The test is what meaning a reasonably prudent layperson would attach to the term. Pac. Indem., 302 Md. at 388.

i. Darla: To effectively motivate employees to change with the strategy implemented managers will benefit from using the authentic leadership method to gain employee trust and build overall confidence and morale in the different departments Riordan has. This strategy requires managers to be genuine with employees about who he or she is as a manager, encourage open communication, share information to keep employees on the same page, and lastly stick to the ideals and best interest of the company. Using this method is one way Riordan can implement a bureaucratic structure to the current informal customer information function.

We estimate that 27% of adult Americans under the age of 65 have health conditions that would likely leave them uninsurable if they applied for individual market coverage under pre-ACA underwriting practices that existed in nearly all states. While a large share of this group has coverage through an employer or public coverage where they do not face medical underwriting, these estimates quantify how many people could be ineligible for individual market insurance under pre-ACA practices if they were to ever lose this coverage. This is a conservative estimate as these surveys do not include sufficient detail on several conditions that would have been declinable before the ACA (such as HIV/AIDS, or hepatitis C).  Additionally, millions more have

The seminar I would like you to work on should cover sexual harassment and unlawful discrimination in the workplace. We expect this to be a two-hour training seminar. In addition to this, I must inform you that the seminar is going to be attended by the hospital's 20 office supervisors. Therefore, I would like you to assign a trainer that is specialized in this type of issues. In addition to this, please let me know what resources we should make available for your trainer.

2. Development of a comprehensive in practice training program which will focus on one to one coaching necessary to ensure optimal results, this design program will include:

* Advise, coach and mentor employees on our development infrastructure and promote the advantages of development plans for all staff

Throughout my previous job roles, I have been able to develop and enhance a set of transferable skills that allow me to adapt and excel in any work environment. I previously worked in the insurance field as an underwriting assistant and a property adjuster for catastrophic claims. As an underwriting assistant, I supported a team of 10 underwriters and handled a heavy load of requests from customers, brokers, managers, and underwriters on a daily basis. My position as an insurance adjuster required precise scheduling to inspect multiple properties, project management, organizational skills, and consistent communication (email, phone, and face-to-face) during times of natural disaster. My previous experiences have prepared me to excel as an

Sexual orientation is another potential risk factor in insurance underwriting. However, underwriters are not allowed to ask a person their sexual orientation. This is seen as being moral and fair. However, (Schatz 1987) states that in February 1987, 30,000 Americans have been diagnosed with the AIDs virus. He also states that 73 percent of those diagnosed with AIDS had been male with ‘same gender sexual experience’. Insurers can argue that this increases the risk profile of a person of homosexual orientation. Their risk factor illustrates that they are at more of a risk of dying young, claiming off health and life insurance policies. ‘Average lifetime care for AIDs and HIV have grown from $55,000 to $155,000’ (Parks 2001 p278). This could also be used as an argument

AXELERATOR is Macquarie Life’s underwriting rules engine, which primarily used to store the life insurance related questions and answers for underwriting and quote process. Axelerator is considered to be source of truth for underwriting rules which Links to Insurance Online, composer and Fineos. In addition, the Axelerator extracted data will consist of only life insurance related data from Axelerator base/warehouse tables which have been stored in an SQL server

The training is for all user levels i.e. beginners, intermediate and advanced. The trainer will be come up with a proposed training schedule that will encompass all the levels of training and will be subject to approval by Miller Inc, the trainer will at the end of each class give each student a survey that will be used for evaluation and the trainer shall take the class attendance at the start of

Appropriate and timely training is frequently identified as key to effective change. Examples of training requirements might include:

well as firm policies and procedures. Tomorrow morning, you begin a two-week training program on

Changes that will most likely improve the leadership development include feedback programs, mentoring, and coaching. As described in the text, all of these are used to facilitate leadership development.