HS 323 Audio: Individual Life Insurance (2015) episodes:

• March 26, 201514-01-Identify the sources of information regarding an applicant, and describe the role that each plays in the selection process.

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• March 26, 201515-01-Explain the group concept applied to substandard risks.

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• March 26, 201513-01-Describe the fundamental guiding principles that govern the selection process.

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• March 26, 201514-05-Describe the concerns regarding the issuance of life insurance at extremes of age.

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• March 26, 201514-04-Explain the insurability option.

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• March 26, 201515-02-Identify the broad additional hazard groups into which most companies assume substandard risks fall, and give examples of additional hazards that would cause life insurance applicants to fall into each of these groups.

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• March 26, 201512-04-Explain the considerations and techniques involved in equitably distributing a company's divisible surplus to its policyowners in the form of dividends.

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• March 26, 201512-01-Identify and explain the factors that top management must consider in managing surplus—that is, monitoring the surplus accumulated within the insurance company and deploying it in the best possible directions.

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• March 26, 201514-02-Explain two methods of risk classification.

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• March 26, 201511-05-Explain how gross premiums are tested for adequacy using an asset-share test, how various assumptions affect asset shares, and how the results of an asset-share test are interpreted.

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