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Manjari Bansal
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The idea of Life Insurance underwriting is what determines the cost of your policy. If might even determine if you will even be able to purchase life insurance at all. But what is it?In the insurance industry, the term underwriting refers to the process of evaluating risk. In order to understand what underwriting is, you have to review the basic premise on which insurance operates. The underlying principle of insurance is the transfer of risk. The risk is taken away from the insured and transferred to the insurer. What makes this possible is that the Insurance Company is going to assume the risks for a large number of individuals.
