Underwriting refers to the selection and evaluation of the insured by the insurer, and the implementation of a scientific life insurance underwriting process, which helps life insurance companies effectively control u...Underwriting refers to the selection and evaluation of the insured by the insurer, and the implementation of a scientific life insurance underwriting process, which helps life insurance companies effectively control underwriting risks, improve underwriting quality, and ensure the sustainable and stable operation of the company in the underwriting process. The underwriting of life insurance is not only related to the enterprises own construction, but also to social environment, legal system, industrial development and other factors. Due to the constant changes in the external environment, a series of problems have emerged in Chinas life insurance. If we do not pay attention to them, they will have a negative impact on the healthy development of Chinas insurance industry. Based on the current situation of life insurance underwriting in China, this paper makes a detailed analysis of the problems in the process of life insurance underwriting, and puts forward corresponding solutions and countermeasures. Therefore, we can clearly realize that underwriting is extremely important as the first line of defense for insurance companies risk management. The progress of medicine, the change of environment and the development of new technologies have brought both opportunities and challenges to life insurance. To grasp the development trend of underwriting and explore the effective management of risk control is the only way for insurance enterprises to reduce costs and enhance market competitiveness.展开更多
文摘Underwriting refers to the selection and evaluation of the insured by the insurer, and the implementation of a scientific life insurance underwriting process, which helps life insurance companies effectively control underwriting risks, improve underwriting quality, and ensure the sustainable and stable operation of the company in the underwriting process. The underwriting of life insurance is not only related to the enterprises own construction, but also to social environment, legal system, industrial development and other factors. Due to the constant changes in the external environment, a series of problems have emerged in Chinas life insurance. If we do not pay attention to them, they will have a negative impact on the healthy development of Chinas insurance industry. Based on the current situation of life insurance underwriting in China, this paper makes a detailed analysis of the problems in the process of life insurance underwriting, and puts forward corresponding solutions and countermeasures. Therefore, we can clearly realize that underwriting is extremely important as the first line of defense for insurance companies risk management. The progress of medicine, the change of environment and the development of new technologies have brought both opportunities and challenges to life insurance. To grasp the development trend of underwriting and explore the effective management of risk control is the only way for insurance enterprises to reduce costs and enhance market competitiveness.
