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Underwriting is actually a necessary process to purchase most insurance products, and the insurance company will decide whether to underwrite according to the actual situation of the insured.
In addition to excluding underwriting, underwriting results generally include subject underwriting, refusal underwriting, increase underwriting and extension underwriting.
The so-called underwriting and refusal of the subject matter are easier to understand. One is direct normal underwriting, and the other is no underwriting.
If you have some minor physical problems and are afraid of being refused insurance, these insurance tips must be mastered: What are the health tips when you apply for insurance?
In addition, premium underwriting means that you need to pay more for insurance. However, deferred underwriting can only be insured when the health condition of the insured meets the requirements agreed in the health notice.
It should be noted that underwriting is also divided into intelligent underwriting and manual underwriting. If intelligent underwriting fails, you can also choose manual underwriting. In the case of manual underwriting, it is still more likely to be insured.
Little friends who don't know much about this can take a look: What is the difference between intelligent underwriting and manual underwriting? The article takes you to know the correct insurance posture!
The above is all my answers to this question, I hope it will help you!
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