The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview Session 11 - Cover Letters This session highlights the significance of cover letters in the underwriting process, emphasizing their role in providing additional context and speeding up application reviews. Cover letters are particularly useful when the purpose or amount of coverage is not straightforward, or when unique circumstances, such as special financial situations or foreign national cases, are involved. They serve to clarify details like the need for insurance, how the coverage amount was determined, and specific owner or beneficiary arrangements. Overall, cover letters facilitate efficient and informed decision-making by offering essential information not included in the application package.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview Session 10 - Quick Quote & Trial Applications This session delineates between Quick Quote and Trial Applications, elucidating when and how each is utilized in underwriting processes. It also explores the use of medical record summaries to facilitate underwriting evaluations.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview Session 9 - The Art vs. Science of Underwriting This session explores the transition from traditional underwriting as an art to its current status as a blend of art and science. It emphasizes the importance of regular medical visits for objective health evaluation and early detection of issues, especially as individuals age. Contrasting clinical medicine with insurance underwriting, the session highlights the challenge insurers face in making predictive assessments based on historical data, lacking the ability to re-evaluate individuals over time. Understanding this evolution allows underwriters to navigate the complexities of this process with a balanced approach, leveraging both artistry and data analysis for informed decision-making.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview Session 8 - Mortality vs. Morbidity This session clarifies the distinct underwriting approaches for mortality and morbidity, emphasizing the importance of thorough assessment and accurate information for effective risk evaluation in insurance underwriting.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview: Session 6 - Insurable Interests This session dives into the concept of insurable interests within the underwriting process. It explores the significance of insurable interests in life insurance policies, highlighting the economic gain associated with the continued life of the insured. Participants learn about various scenarios where insurable interests are present, such as personal relationships like spouses and parents, as well as business relationships. The session emphasizes the importance of identifying and establishing insurable interests to ensure the validity and effectiveness of insurance policies.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more

The Underwriting Certification Program helps train and develop new underwriters on the life insurance underwriting process, while certifying existing underwriters on the key skills, responsibilities, and best practices that are essential for their role. The program, which has been designed with a life insurance focus, is comprised of nineteen online learning modules with mastery quizzes for each module. Session Overview: Session 5 - Risk Factors This session explores various risk factors encountered during the underwriting process. It covers medical history, tobacco use, drug/alcohol history, hobbies/avocations, occupation, driving history, and family history. Participants gain insights into how these factors influence risk assessment, mortality, and overall eligibility for insurance coverage. The session emphasizes the importance of thorough evaluation and consideration of each factor to make informed underwriting decisions.   PROFESSIONAL DEVELOPMENT COMMITTEE Leah Mahoney,  – EVP - Operations, Diversified Brokerage Services, Inc. Chair Haley Chaires,  – Account Executive, Ash Brokerage Member Rachel Sachs, – Vice President Insurance Operations, LPL Financial Member Kim Wilcox, – Vice President of Operations, Innovative Underwriters Member Rachel Sanfilippo, – Operations Manager - Contracting & Licensing & New Business, Partners Advantage A Gallagher Group Member Amanda Singer, – Vice President, Crump Member Melinda Marcotte, – Head of Life New Business, MassMutual Member   COURSE CONTRIBUTORS Tiffany Markarian– Managing Director and Founder Advantus Marketing, LLC Melissa Heighway– Director of Life Underwriting; Insitutional Channel Crump Life Insurance Services Stephanie Hrisko– Medical Consultant in Underwriting The Cason Group Angela Ison– Underwriting Consultant MassMutual David Glasgow– Underwriter Diversified Brokerage Services Kim Schrass– Director of Underwiting Ash Brokerage, An Integrity Company Jim White– Underwriting Manager Securian Financial Jann Varner– AVP, Case Design Diversified Brokerage Services William Nalipinski– Regional Sales Consultant Securian Financial Group Karen Gilmore-Buxton– Sr. Product Specialist Lincoln Financial Group Kieth Gruchacz– Sr. Consultant Lincoln Financial Group Phil Jackson– Managing Director, Insurance Marketing Valmark Financial Group Ashley Orlinski– AVP Internal Sales LPL Financial Amber Castator– Sr. Relationship Case Manager Ash Brokerage Read more