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Insurance Underwriter

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AVG. SALARY

$53,620

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EDUCATION

Bachelor's degree

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JOB OUTLOOK

Stable

Real-Life Activities

Real-Life Decision Making -- Solution

You stall and ask for a physician's report.

This is the real-life decision made by Neil Facteau.

"The older the person and the more insurance they're applying for, the more investigation there is to do," says Facteau. This is the kind of application that experience has taught Facteau to pay attention to.

"We can write to the client's doctor, and sometimes this provides information that the client has not declared," he says.

In this case, the client had a history of hypertension that he had not declared. He was not turned down for coverage, but he did have to pay higher premiums for his insurance. Without the information that Facteau obtained, this customer would have been too big a risk for his company at the standard rates.