Underwriting Factors

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So there's that underwriting factor that's already applied to them that there's a personal passion for this stuff.
Some companies actually have different underwriting guidelines based on how they find out about a particular underwriting factor.
In Schedule 3, we examine how a simple dichotomous underwriting factor reflecting the presence or absence of chronic disability affected the prediction of service use.
The quality of independent directors' oversight is a weighty underwriting factor.
The long-abandoned industry practice of using race as an underwriting factor meant that African Americans and other minorities with affected policies paid higher premium rates than whites.
The long-abandoned industry practice of using race as an underwriting factor means that blacks and other minorities paid higher premiums than whites.
Using credit as an underwriting factor has allowed Progressive--and our agents--to offer more accurate and lower rates to more people," the company said in a statement.
Alcohol abuse is an important underwriting factor for younger applicants, because motor-vehicle accidents are the leading cause of death in a population under 49 years old and those accidents are predominantly caused by alcohol abuse, he said.
Creditors must consider eight underwriting factors when verifying a consumer's ability to repay, including the consumer's current or reasonably expected income or assets, employment status, credit history and other obligations such as loans secured by the same property; costs related to the property (such as taxes and insurance); and other debts such as alimony and child-support obligations.
Mills says if the courts allow the use of the disparate impact standard, "insurers may well be forced to re-evaluate valuable underwriting factors used to offer or price insurance despite their predictive accuracy.
Under the proposal, creditors can meet the general ability-to-repay standard by considering and verifying specified underwriting factors, such as the consumer's income or assets.