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 16 - Digital Underwriting Tool This session outlines various digital underwriting tools crucial in evaluating risks during the underwriting process. These tools play a pivotal role in assessing medical impairments, financial risks, and behavioral risks, enabling underwriters to make informed 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

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 15: Retention Limits This session explores factors related to retention limits in insurance underwriting. Carriers may retain varying percentages of risk per policy and block of business, with some risks being ceded to reinsurers. Retention limits vary by age, underwriting rating, and product type, helping carriers manage risk exposure effectively.   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 14 - Reinsurance This session delves into the various types of reinsurance and their significance in managing insurance risk. Reinsurance involves transferring insurance risk from a primary insurer to another insurer, known as a reinsurer, to reduce risk exposure. Reinsurance is crucial for managing large face amounts of insurance coverage, ensuring that even very high-risk scenarios can be adequately covered.   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 13 - Requirements Used in Underwriting This session outlines the most common requirements used in the underwriting process and their significance. Each requirement serves a specific purpose, such as gathering personal, financial, and medical information to assess risk and determine policy eligibility. Understanding these requirements is crucial for underwriters to make informed decisions during the underwriting process.   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 12 - HIPAA This session covers compliance with the Health Insurance Portability and Accountability Act (HIPAA) during the underwriting process. Key points include the requirement for a signed and dated HIPAA form for sharing protected health information, ensuring accuracy in form completion, and using the correct version of the form based on state and product line requirements.   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 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