Tennessee Life Insurance Underwriting

You gain a deeper perspective on how underwriting decisions shape life insurance coverage and claims handling. This course sharpens your ability to identify and assess insurable interest, interpret policy clauses, and recognize the implications of misrepresentation, moral hazards, and adverse selection. You’ll better understand how underwriters determine risk classifications, apply mortality data, and use premium determination formulas to maintain the insurer’s solvency and fairness in pricing.

Completing this course enhances your professional competence by strengthening your knowledge of underwriting ethics, policy options, and client suitability. You’ll be able to confidently explain nonforfeiture provisions, riders, and dividend options to clients — improving both compliance and client trust.

You’ll also gain a working knowledge of state and federal statutes such as the Fair Credit Reporting Act and replacement regulations, helping you apply laws correctly when gathering client data, delivering policies, or recommending replacements.

Each module builds your expertise in interpreting complex life insurance principles — turning theory into practical insight. The course’s exploration of COVID’s impact on underwriting and high-net-worth clients ensures your understanding remains relevant to today’s market realities.

Topics covered:

• Insurable Interest and Ownership Rights
• Policy Options, Beneficiaries, and Settlement Choices
• Nonforfeiture and Dividend Options
• Riders and Policy Customization
• Underwriting and Risk Classification
• LFair Credit Reporting Act and Replacement Rules
• Premium Determination and Reserves
• COVID-19 and Life Underwriting Trends