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Life Underwriting Training Program

RGAX's comprehensive underwriting courses help your entire team grow in knowledge and expertise.

 

Benefits for Every Underwriter

Our wide course selection can help every underwriter grow professionally from the newly hired with little experience,  to more seasoned underwriters with years of experience.

Onboarding New Hires

Our training courses can shorten the time it takes to onboard new hires and get them production ready and on their way to their first signing authority.

Continuing Education

Our training courses are a great way to offer continuing education and professional development opportunities for your team.

Assessment Tool for Existing Underwriters

Even the most experiences underwriters don't know everything. Our assessment tool can help you pinpoint areas for further development on your team.

Individual Assessments

Alcohol Use

  5 mins
How alcohol use disorders can vary in degrees from mild to life threatening.
How alcohol use disorders can vary in degrees from mild to life threatening.

Blood Pressure

  5 mins
How blood pressure affects and can be affected by other co-morbidities.
How blood pressure affects and can be affected by other co-morbidities.

Blood Chemistry Profile

  5 mins
How to evaluate the blood chemistry profile (BCP) for mortality impact.
How to evaluate the blood chemistry profile (BCP) for mortality impact.

Build and Body Size

  5 mins
How build and body size can be a risk factor for many diseases.
How build and body size can be a risk factor for many diseases.

Coronary Artery Disease

  5 mins
A look at the anatomy and physiology of the heart.
A look at the anatomy and physiology of the heart.

Diabetes

  5 mins
The causes of diabetes, how it is diagnosed and the treatment required.
The causes of diabetes, how it is diagnosed and the treatment required.

Driving Risk

  5 mins
Underwriting tools are the best to evaluate risk related to driving behaviour.
Underwriting tools are the best to evaluate risk related to driving behaviour.

Drug Use

  5 mins
Drug use, abuse and the significance of previous and/or current drug abuse for mortality.
Drug use, abuse and the significance of previous and/or current drug abuse for mortality.

Esophagus

  5 mins
The signs, symptoms and diagnostic techniques for certain digestive tract diseases and disorders.
The signs, symptoms and diagnostic techniques for certain digestive tract diseases and disorders.

Arrhythmias and Heart Blocks

  5 mins
The mortality impact of arrhythmias and heart blocks.
The mortality impact of arrhythmias and heart blocks.

Colon

  5 mins
The signs, symptoms and diagnostic techniques for certain colon diseases and disorders.
The signs, symptoms and diagnostic techniques for certain colon diseases and disorders.

Kidneys

  5 mins
The signs, symptoms and diagnostic techniques for certain colon diseases and disorders.
The signs, symptoms and diagnostic techniques for certain colon diseases and disorders.

Financial Underwriting

  5 mins
How financial underwriting helps the insurer monitor and control risks and protect the company’s....
How financial underwriting helps the insurer monitor and control risks and protect the company’s portfolio.

Foreign Travel

  5 mins
Foreign travel and how it affects underwriting risk.
Foreign travel and how it affects underwriting risk.

Hematology

  5 mins
Hematology and focus on specific disorders that increase mortality risk.
Hematology and focus on specific disorders that increase mortality risk.

Liver

  5 mins
The diseases, disorders, anatomy and physiology of the liver.
The diseases, disorders, anatomy and physiology of the liver.

Lymphoma and Leukemia

  5 mins
The diagnosing, grading,  staging and treatment of leukemia, a bone marrow cancer and lymphoma.
The diagnosing, grading,  staging and treatment of leukemia, a bone marrow cancer and lymphoma.

Skin Cancer

  5 mins
How to read a pathology report to capture the relevant information to assess melanoma risk.
How to read a pathology report to capture the relevant information to assess melanoma risk.

Mental Health

  5 mins
The possible causes of mental disorders, how they're diagnosed, the treatment required, the....
The possible causes of mental disorders, how they're diagnosed, the treatment required, the complications and risk factors of mortality.

Pharmaceuticals

  5 mins

Pharmaceuticals and certain classes of drugs and the reasons why the drugs are prescribed.

Pharmaceuticals and certain classes of drugs and the reasons why the drugs are prescribed.

Introduction to Life Underwriting

  5 mins
Collect the facts and think through and analyze them to be able to properly assess and classify the....
Collect the facts and think through and analyze them to be able to properly assess and classify the risk.

Respiratory

  5 mins
Overview of the respiratory system, with a focus on the airways, the lungs, the blood vessels and....
Overview of the respiratory system, with a focus on the airways, the lungs, the blood vessels and gas exchange.

Small Intestine

  5 mins
The anatomy and physiology of the small intestine, also known as the small bowel, and its role in....
The anatomy and physiology of the small intestine, also known as the small bowel, and its role in digestion.

Stomach

  5 mins
The anatomy and physiology of the stomach, its role in digestion and potential complications from....
The anatomy and physiology of the stomach, its role in digestion and potential complications from common diseases and disorders.

Breast Tumors

  5 mins
The different types of breast cancer most often seen in underwriting, their signs and symptoms, how....
The different types of breast cancer most often seen in underwriting, their signs and symptoms, how breast cancer is diagnosed and how it is underwritten.

Colon Tumors

  5 mins

Colon cancer, the signs and symptoms, how it is diagnosed, treated and finally how it is....

Colon cancer, the signs and symptoms, how it is diagnosed, treated and finally how it is underwritten.

Tumors and Cancer

  5 mins

How cancer is staged, graded, diagnosed and treated.

How cancer is staged, graded, diagnosed and treated.

Prostate Tumors

  5 mins

Prostate cancer, the grading and staging and how to interpret that information for mortality....

Prostate cancer, the grading and staging and how to interpret that information for mortality assessment.

Urinalysis

  5 mins

How to interpret urine test results and how to read the them.

How to interpret urine test results and how to read the them.

Underwriting Courses

  • Fundamentals 6
  • Cardiac/Diabetes/GI/Respiratory 9
  • Cancer 6
  • Blood & Urinary 2
  • Lifestyle, Mental & Finances 6

Fundamentals

These courses lay the foundation for underwriting, by detailing the vast amount of medical terminology an Underwriter sees everyday, the best practices for documentation, the effects of pharmaceuticals, and how to assess an applicant’s build and blood pressure when making underwriting decisions.

Cardiac/Diabetes/GI/Respiratory

These courses cover the topics most commonly seen in life underwriting: the cardiac system, diabetes, the gastrointestinal and respiratory system.

Cancer

This group of courses focus on how cancer affects the prostate, breasts, skin, colon, bone marrow and the lymphoid tissue.

Blood & Urinary

Our blood and urinary courses cover how to read two key risk assessment tools - the blood chemistry profile and urinalysis exam - as well as the diseases and disorders that impact the kidneys, urinary system and blood.

Lifestyle, Mental & Finances

These courses cover how someone's lifestyle, behaviours, mental state, and financial status can impact risk assessment in life underwriting.

Introduction to Life Underwriting

  23 mins

The first course in the Underwriting Training Program will....

The first course in the Underwriting Training Program will introduce you to underwriting in the context of life insurance. You’ll learn about what underwriting is, the life underwriting process, risk assessment, and proper file documentation. You’ll also learn how to analyze the different pieces of evidence an underwriter uses to make a decision on a risk.

  1. Describe life underwriting and the life underwriting process.
  2. Identify the documents used as underwriting evidence.
  3. Explain the numerical rating system and how it is used to classify risks.
  4. Analyze underwriting evidence to classify and assess a risk.
  5. Create file documentation notes to organize your thoughts and make accurate decisions.

Pharmaceuticals

  33 mins

The second course in the Underwriting Training Program will....

The second course in the Underwriting Training Program will introduce you to pharmaceuticals. You’ll learn about different types of medications and treatment options, as well as how underwriters use the list of medications an applicant takes as an investigative tool. You’ll also learn about the different classes of drugs, routes of drug administration, and types of alternative medicine. Key issues related to underwriting will be highlighted throughout.

  1. Explain the difference between over-the-counter, prescription only, and behind-the-counter medications.
  2. Name the routes of drug administration.
  3. Discuss common classes of drugs, their purpose, and the types of medications they include.
  4. Describe alternative medicine and common natural products encountered in underwriting.
  5. Identify the key underwriting issues related to pharmaceuticals.
  6. Explain drug compliance issues and their impact on life underwriting.
  7. Apply your underwriting knowledge on pharmaceuticals in case studies with real-life scenarios.

 

Build and Body Size

  46 mins

The third course in the Underwriting Training Program will....

The third course in the Underwriting Training Program will introduce you to build and body size, and how they are used in underwriting. You’ll learn how build affects mortality and how it can be a risk factor for other diseases. You’ll also learn how to calculate body mass index (BMI), interpret BMI results, and underwrite underweight and overweight or obese builds.

  1. Calculate body mass index (BMI) and describe its significance when assessing mortality risk.
  2. Define “underweight build” and describe its implications for underwriting.
  3. Define “overweight build” and “obese build,” and describe their implications for underwriting.
  4. Identify the treatment options for overweight and obesity, along with the associated risks.
  5. Explain how underwriters approach planned and unplanned weight changes.
  6. Apply your underwriting knowledge on build in case studies with real-life scenarios.

Blood Pressure

  46 mins

The fourth course in the Underwriting Training Program will....

The fourth course in the Underwriting Training Program will introduce you to blood pressure and the way it affects mortality. You’ll learn about how high blood pressure (hypertension) can be a risk factor for coronary artery disease and stroke, as well as how to underwrite it. You’ll also learn about low blood pressure (hypotension), although this condition is rarely seen in underwriting.

  1. Differentiate between normal, hypotensive, and hypertensive blood pressure readings.
  2. Explain how blood pressure readings outside the normal range can affect the underwriting of a case.
  3. Evaluate the relationship between blood pressure and other health conditions.
  4. Describe the common causes of secondary hypertension.
  5. Name the main classes of hypertensive medications.
  6. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  7. Apply your underwriting knowledge on blood pressure in case studies with real-life scenarios.

Blood Chemistry Profile

  1 hr   8 mins

The fifth course in the Underwriting Training Program will....

The fifth course in the Underwriting Training Program will introduce you to the blood chemistry profile. You’ll learn about a few of the most common blood tests used to diagnose and rule out diseases and impairments. You’ll also learn how to read and interpret the test results in the context of important factors such as the patient’s age, gender, and medical history.

  1. Explain what a blood chemistry profile (BCP) is and its significance for life underwriting.
  2. Define “reference range” in relation to blood tests.
  3. Explain the difference between the sensitivity and specificity of blood tests.
  4. Assess whether a blood test result indicates a false positive.
  5. Assess common blood tests used to assess bodily functions: blood glucose tests, kidney function tests, liver function tests, lipid tests, prostate specific antigen test, serum protein test, uric acid blood test, lactate dehydrogenase test, HIV test, and hepatitis tests.
  6. Identify favourable and unfavourable characteristics of the different blood tests.
  7. Apply your underwriting knowledge in case studies with real-life scenarios.

Urinalysis

  46 mins

The sixth course in the Underwriting Training Program will....

The sixth course in the Underwriting Training Program will introduce you to life insurance urinalysis. You’ll learn about common urine tests included in the urinalysis and how test results help diagnose and rule out certain impairments. You’ll also learn how to read and interpret test results in the context of important factors such as the patient’s age, gender, and medical history.

  1. Explain what a urinalysis is and its significance for life underwriting.
  2. Describe factors that can cause false-positive results.
  3. Assess common tests in a urinalysis: specific gravity, glucose, protein, red blood cells, white blood cells, urinary casts, and screening tests for substance use and HIV.
  4. Identify favourable and unfavourable urine test results and their implications for underwriting.
  5. Apply your underwriting knowledge in case studies with real-life scenarios.

Coronary Artery Disease

  2 hrs   15 mins

The seventh course in the Underwriting Training Program....

The seventh course in the Underwriting Training Program introduces you to the most common coronary artery diseases encountered in underwriting and the way they affect mortality. This course is divided into three parts:

  • Part 1 provides an overview of the anatomy and physiology of the heart and coronary artery disease.
  • Part 2 focuses on angina.
  • Part 3 focuses on myocardial infarction.

You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

Part 1: The Heart and Heart Disease

In Part 1, you’ll learn about the structure and parts of the heart, how the heart works, and signs and symptoms of coronary artery disease. You’ll also learn about risk factors for coronary artery disease and unfavourable characteristics that must be considered when underwriting this disease.

  1. Describe the anatomy and physiology of the heart.
  2. Explain why coronary artery disease (CAD) is also called “ischemic heart disease.”
  3. Identify the signs and symptoms of CAD.
  4. Interpret the diagnostic tests used to confirm a diagnosis of CAD.
  5. Describe the treatment options for CAD.
  6. Outline the risk factors for CAD and their implications for life underwriting.
  7. Analyze a cardiac catheterization report, a key piece of evidence for underwriting CAD.
  8. Apply your underwriting knowledge on CAD in case studies with real-life scenarios.

Part 2: Angina

In Part 2, you’ll learn about angina and its signs and symptoms. You’ll also learn about risk factors for angina and unfavourable characteristics that must be considered when underwriting this disease.

  1. Define “angina.”
  2. Differentiate between the different types of angina and understand their causes.
  3. Identify the signs and symptoms of angina.
  4. Interpret the diagnostic tests used to confirm a diagnosis of angina.
  5. Describe the treatment options for angina.
  6. Outline the risk factors for angina and their implications for life underwriting.
  7. Analyze key underwriting evidence to assign an appropriate rating to angina cases.
  8. Apply your underwriting knowledge on angina in case studies with real-life scenarios.

Part 3: Myocardial Infarction

In Part 3, you’ll learn about myocardial infarction (MI) and its signs and symptoms. You’ll also learn about risk factors for MI and unfavourable characteristics that must be considered when underwriting this disease.

  1. Explain the link between coronary artery disease, angina, and myocardial infarction.
  2. Define “myocardial infarction” (MI).
  3. Identify the signs and symptoms of MI.
  4. Explain how an MI is diagnosed.
  5. Describe the treatment options for MI.
  6. Outline the risk factors for MI and their implications for life underwriting.
  7. Apply your underwriting knowledge on MI in case studies with real-life scenarios.

Arrhythmias and Heart Blocks: Cardiac Conduction Disorders

  57 mins

The eighth course in the Underwriting Training Program will....

The eighth course in the Underwriting Training Program will introduce you to the cardiac conduction system. You’ll learn about some of the disorders that affect the cardiac conduction system, such as arrhythmias (atrial fibrillation/flutter, tachycardia, premature contractions, and bradycardia) and heart blocks. You’ll also learn about their signs and symptoms, diagnosis, treatment, risk factors, complications, and aspects of these disorders that increase mortality risk.

  1. Classify the anatomy, physiology, and core functions of the cardiac conduction system.
  2. Identify the key disorders of the cardiac conduction system that are commonly seen in underwriting and determine their significance.
  3. Describe the treatment required to control the symptoms and further progression of each disorder.
  4. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  5. Apply your underwriting knowledge on cardiac conduction disorders in case studies with real-life scenarios.

Diabetes

  2 hrs   5 mins

The ninth course in the Underwriting Training Program....

The ninth course in the Underwriting Training Program introduces you to one of the most critical impairments in life underwriting: diabetes. This course is divided into three parts:

  • Part 1 provides an overview of diabetes and focuses on type 1 diabetes.
  • Part 2 focuses on type 2 diabetes.
  • Part 3 focuses on gestational diabetes.

You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

Part 1: Type 1 Diabetes

In Part 1, you’ll learn about diabetes and the three main types of this disease: type 1, type 2, and gestational.

You’ll also learn about type 1 diabetes in detail: its signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

  1. Define “diabetes” and distinguish among the three main types of this disease.
  2. Identify the signs and symptoms of type 1 diabetes.
  3. Interpret the diagnostic test used to confirm a diagnosis of type 1 diabetes.
  4. Describe the treatment options for type 1 diabetes.
  5. Outline the risk factors for type 1 diabetes and their implications for life underwriting.
  6. Describe the complications of type 1 diabetes that may impact mortality.
  7. Apply your underwriting knowledge of type 1 diabetes in case studies with real-life scenarios.

Part 2: Type 2 Diabetes

In Part 2, you’ll learn about type 2 diabetes: its signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

  1. Define “type 2 diabetes” and be able to distinguish type 2 from type 1 diabetes.
  2. Identify the signs and symptoms of type 2 diabetes.
  3. Interpret the diagnostic test used to confirm a diagnosis of type 2 diabetes.
  4. Describe the treatment options for type 2 diabetes.
  5. Outline the risk factors for type 2 diabetes and their implications for life underwriting.
  6. Describe the complications of type 2 diabetes that may impact mortality.
  7. Apply your underwriting knowledge on type 2 diabetes in case studies with real-life scenarios.

Part 3: Gestational Diabetes

In Part 3, you’ll learn about gestational diabetes: its signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

  1. Define “gestational diabetes” and understand the relationship between gestational diabetes and type 1 and type 2 diabetes.
  2. Identify the signs and symptoms of gestational diabetes.
  3. Interpret the diagnostic test used to confirm a diagnosis of gestational diabetes.
  4. Describe the treatment options for gestational diabetes.
  5. Outline the risk factors for gestational diabetes and their implications for life underwriting.
  6. Describe the complications of gestational diabetes that may impact mortality.
  7. Apply your underwriting knowledge on gestational diabetes in case studies with real-life scenarios.

Diseases and Disorders of the Liver

  2 hrs   15 mins

The tenth course in the Underwriting Training Program....

The tenth course in the Underwriting Training Program introduces you to the most common liver diseases and disorders encountered in life underwriting and the way they affect mortality. This course is divided into three parts:

  • Part 1 provides an overview of the anatomy and physiology of the liver and describes liver function tests.
  • Part 2 focuses on the following common liver problems: fatty liver, cirrhosis, and hepatomegaly.
  • Part 3 focuses on hepatitis A, B, C, D, and E.

You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

Part 1: The Liver and Liver Function Tests

In Part 1, you’ll learn about the structure of the liver, how the liver works, and its main functions. You’ll also learn about liver function tests, and the favourable and unfavourable characteristics that must be considered when interpreting these tests.

  1. Describe the anatomy and physiology of the liver.
  2. Explain the main functions of the liver.
  3. Describe the different liver function tests.
  4. Identify abnormal liver function test results.
  5. Outline the risk factors associated with abnormal liver function test results and their implications for life underwriting.
  6. Describe treatment options after abnormal liver function test results.
  7. Apply your underwriting knowledge of liver function tests and elevated liver enzymes in case studies with real-life scenarios.

Part 2: Common Liver Problems

In Part 2, you’ll learn about the following common liver problems: fatty liver, cirrhosis, and hepatomegaly. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting each of them.

  1. Differentiate between fatty liver, cirrhosis, and hepatomegaly.
  2. Identify the signs and symptoms of fatty liver, cirrhosis, and hepatomegaly.
  3. Interpret the liver functions tests used to confirm a diagnosis of fatty liver, cirrhosis, or hepatomegaly.
  4. Identify the various treatment options for fatty liver, cirrhosis, and hepatomegaly.
  5. Outline the risk factors for fatty liver, cirrhosis, and hepatomegaly, and their implications for life underwriting.
  6. Describe the complications of fatty liver, cirrhosis, and hepatomegaly that may impact mortality.
  7. Apply your underwriting knowledge of fatty liver, cirrhosis, and hepatomegaly in case studies with real-life scenarios.

Part 3: Hepatitis

In Part 3, you’ll learn about hepatitis A, B, C, D, and E. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting each of them.

  1. Differentiate between hepatitis A, B, C, D, and E.
  2. Determine the impact of each type of hepatitis on mortality.
  3. Identify the signs and symptoms of each type of hepatitis.
  4. Interpret the diagnostic tests used to confirm a diagnosis of each type of hepatitis.
  5. Identify the treatment options for each type of hepatitis.
  6. Outline the risk factors for each type of hepatitis and their implications for life underwriting.
  7. Describe the complications that could arise for each type of hepatitis that may impact mortality.
  8. Apply your underwriting knowledge on hepatitis in case studies with real-life scenarios.

Diseases and Disorders of the Esophagus

  45 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the gastrointestinal tract. You’ll also learn about the following diseases and disorders of the esophagus: gastroesophageal reflux disease (GERD), esophagitis, Barrett’s esophagus, and esophageal varices. As well, you’ll learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting these diseases and disorders.

  1. Describe the anatomy and physiology of the gastrointestinal (GI) tract.
  2. Identify the general signs and symptoms of GI problems and the tests used to diagnose them.
  3. Identify the signs and symptoms of diseases and disorders of the esophagus.
  4. Describe the diagnostic tests used to diagnose diseases and disorders of the esophagus.
  5. Describe the treatment options for diseases and disorders of the esophagus.
  6. Outline the risk factors for diseases and disorders of the esophagus, and their implications for life underwriting.
  7. Describe the complications of diseases and disorders of the esophagus that may impact mortality.
  8. Apply your underwriting knowledge on diseases and disorders of the esophagus in case studies with real-life scenarios.

Diseases and Disorders of the Stomach

  40 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the stomach. You’ll also learn about the following diseases and disorders of the stomach: dyspepsia, peptic ulcers, gastritis, and hiatal hernia. As well, you’ll learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting these diseases and disorders.

  1. Describe the anatomy and physiology of the stomach.
  2. Identify the signs and symptoms of diseases and disorders of the stomach.
  3. Describe the diagnostic tests used to diagnose diseases and disorders of the stomach.
  4. Describe the treatment options for diseases and disorders of the stomach.
  5. Outline the risk factors for diseases and disorders of the stomach, and their implications for life underwriting.
  6. Apply your underwriting knowledge on diseases and disorders of the stomach in case studies with real-life scenarios.

Diseases of the Small Intestine

  50 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the small intestine. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting diseases of the small intestine.

  1. Describe the anatomy and physiology of the small intestine.
  2. Name common diseases of the small intestine.
  3. Identify the signs and symptoms of Crohn’s disease and celiac disease.
  4. Describe the diagnostic tests used to confirm a diagnosis of Crohn’s disease and celiac disease.
  5. Describe the treatment options for Crohn’s disease and celiac disease.
  6. Outline the risk factors for Crohn’s disease and celiac disease, and their implications for life underwriting.
  7. Describe the complications of Crohn’s disease and celiac disease that may impact mortality.
  8. Apply your underwriting knowledge on diseases of the small intestine in case studies with real-life scenarios.

Diseases and Disorders of the Colon

  1 hr   10 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the colon. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting diseases and disorders of the colon.

  1. Describe the anatomy and physiology of the colon.
  2. Name common diseases and disorders of the colon.
  3. Identify the signs and symptoms of diseases and disorders of the colon.
  4. Describe the diagnostic tests used to diagnose diseases and disorders of the colon.
  5. Describe the treatment options for diseases and disorders of the colon.
  6. Outline the risk factors for diseases and disorders of the colon, and their implications for life underwriting.
  7. Describe the complications of diseases and disorders of the colon that may impact mortality.
  8. Apply your underwriting knowledge on diseases and disorders of the colon in case studies with real-life scenarios.

Diseases and Disorders of the Respiratory System

  1 hr   40 mins

The fifteenth course in the Underwriting Training Program....

The fifteenth course in the Underwriting Training Program introduces you to the most common respiratory system diseases and disorders encountered in underwriting and the way they affect mortality. This course is divided into three parts:

  • Part 1 focuses on the airways, and the diseases and disorders that affect them.
  • Part 2 focuses on the lungs, and diseases and disorders that affect them.
  • Part 3 focuses on sleep-disordered breathing.

You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting this disease.

Part 1: The Airways

In Part 1, you’ll learn about the respiratory system’s airways, and the diseases and disorders that affect them. Specifically, you’ll learn about asthma, bronchiectasis, and chronic obstructive pulmonary disease (COPD). As well, you’ll learn about their signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting each of them. This part will also discuss pulmonary function tests and how to interpret them.

  1. Name the different features of the airways.
  2. Explain the process of air flow.
  3. Differentiate between asthma, bronchiectasis, and chronic obstructive pulmonary disease (COPD).
  4. Describe the signs and symptoms, diagnosis, treatment, risk factors, and complications of asthma, bronchiectasis, and COPD.
  5. Interpret a pulmonary function test report on airway diseases and disorders.

Part 2: The Lungs

In Part 2, you’ll learn about the lungs and the following diseases and disorders: bronchitis, pneumonia, pulmonary embolism, and tuberculosis. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting each of them.

  1. Name the different features of the lungs.
  2. Explain the role of the lungs in the respiratory system.
  3. Differentiate between bronchitis, pneumonia, pulmonary embolism, and tuberculosis.
  4. Describe the signs and symptoms, diagnosis, treatment, risk factors, and complications of bronchitis, pneumonia, pulmonary embolism, and tuberculosis.

Part 3: Sleep-Disordered Breathing

In Part 3, you’ll learn about sleep-disordered breathing and the most common form of this condition: sleep apnea. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics of sleep apnea. As well, this part will discuss how to interpret a polysomnography (sleep study), which indicates the severity of sleep apnea.

  1. Define “sleep-disordered breathing,” including “apnea” and “hypopnea.”
  2. Differentiate between the three types of sleep apnea: obstructive, central, and mixed.
  3. Interpret a polysomnography (sleep study).
  4. Apply your underwriting knowledge on diseases and disorders of the respiratory system in case studies with real-life scenarios.

Tumours and Cancer

  35 mins

The sixteenth course in the Underwriting Training Program....

The sixteenth course in the Underwriting Training Program will introduce you to tumours and cancer. You’ll learn about benign tumours as well as malignant tumours. You’ll also learn about the general signs and symptoms, diagnosis, treatment, risk factors, and complications of cancer. This course will also discuss how to interpret a pathology report on a tumour.

  1. Define “tumour,” and describe the two main types of tumours.
  2. Explain the health problems that can occur if tumours aren’t treated.
  3. Identify the signs and symptoms that may indicate a case of cancer.
  4. Describe screening and diagnostic tests for cancer, as well as tumour grading and cancer staging.
  5. Interpret a pathology report related to tumours.
  6. Describe the treatment options for cancer.
  7. Identify the general risk factors for cancer.
  8. Describe the complications that can arise from cancer.
  9. Identify the favourable and unfavourable characteristics when underwriting cancer.

Breast Tumours

  1 hr   6 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the breast. You’ll also learn about breast cancer, its signs and symptoms, risk factors, diagnosis, treatment, and unfavourable characteristics that must be considered when underwriting breast cancer. This course will also discuss how to interpret a surgical pathology report on breast cancer.

  1. Describe the anatomy and physiology of the breast.
  2. Name the different types of breast cancer.
  3. Identify the signs and symptoms of breast cancer.
  4. Outline the risk factors for breast cancer, and their implications for life underwriting.
  5. Describe the diagnostic tests used to determine a diagnosis of breast cancer.
  6. Explain the purpose of a breast biopsy and lymph node biopsy.
  7. Describe the treatment options for breast cancer.
  8. Interpret a surgical pathology report on breast cancer.
  9. Apply your underwriting knowledge on breast cancer in case studies with real-life scenarios.

Prostate Tumours

  35 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the prostate. You’ll also learn about prostate cancer, its signs and symptoms, diagnosis, treatment, risk factors, and complications, as well as unfavourable characteristics that must be considered when underwriting prostate cancer. This course will also discuss how to interpret a surgical pathology report on prostate cancer.

  1. Describe the anatomy and physiology of the prostate.
  2. Identify the signs and symptoms of prostate cancer.
  3. Describe the diagnostic tests used to determine a diagnosis of prostate cancer.
  4. Identify the four common types of prostate biopsies.
  5. Recognize the treatment options for prostate cancer.
  6. Outline the risk factors for prostate cancer, and their implications for life underwriting.
  7. Interpret a surgical pathology report on prostate cancer.
  8. Apply your underwriting knowledge on prostate cancer in case studies with real-life scenarios.

Colon Tumours

  45 mins

The nineteenth course in the Underwriting Training Program....

The nineteenth course in the Underwriting Training Program will introduce you to tumours of the colon. You’ll learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting colon cancer. This course will also discuss how to interpret a surgical pathology report on colon cancer.

  1. Describe the anatomy and physiology of the colon.
  2. Compare the different types of colon cancers.
  3. Identify the signs and symptoms of colon cancer.
  4. Describe the diagnostic tests used to determine a diagnosis of colon cancer.
  5. Describe the treatment options for colon cancer.
  6. Outline the risk factors for colon cancer, and their implications for life underwriting.
  7. Describe the complications that can arise from colon cancer.
  8. Interpret a surgical pathology report on colon cancer.
  9. Apply your underwriting knowledge on colon cancer in case studies with real-life scenarios.

Skin Cancer

  23 mins

The twentieth course in the Underwriting Training Program....

The twentieth course in the Underwriting Training Program will introduce you to the different types of skin cancer. You’ll learn about the signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered when underwriting skin cancer.

  1. Describe the anatomy and physiology of the skin.
  2. Explain what melanoma is and the four types of this cancer.
  3. Explain the difference between the two main types of non-melanoma skin cancer: basal cell carcinoma and squamous cell carcinoma.
  4. Identify the signs and symptoms of melanoma and non-melanoma skin cancer.
  5. Describe the diagnostic tests used to determine a diagnosis of melanoma and non-melanoma skin cancer.
  6. Describe the pathological melanoma staging as outlined in the TNM staging system.
  7. Recognize the treatment options for melanoma and non-melanoma skin cancer.
  8. Outline the risk factors for melanoma and non-melanoma skin cancer, including their implications for life underwriting.
  9. Apply your underwriting knowledge on basal cell carcinoma, squamous cell carcinoma, and melanoma in case studies with real-life scenarios.

Lymphoma and Leukemia

  1 hr   3 mins

The twenty-first course in the Underwriting Training....

The twenty-first course in the Underwriting Training Program will introduce you to lymphoma and leukemia. In this course, you’ll learn about the anatomy and physiology of the lymphatic system and about bone marrow. You’ll also learn about lymphoma and leukemia, their signs and symptoms, diagnosis, treatment, risk factors, complications, and unfavourable characteristics that must be considered in underwriting.

  1. Describe the anatomy and physiology of the lymphatic system and the anatomy of bone marrow.
  2. Outline the difference between Hodgkin’s and non-Hodgkin’s lymphoma.
  3. Identify some of the most common types of non-Hodgkin’s lymphomas.
  4. Explain what leukemia is and identify the different types.
  5. Identify the signs and symptoms of lymphoma and leukemia.
  6. Describe the diagnostic tests used to determine a diagnosis of lymphoma and leukemia.
  7. Describe the pathological staging of lymphoma and leukemia.
  8. Recognize the treatment options for lymphoma and leukemia.
  9. Outline the risk factors for lymphoma and leukemia, including their implications for life underwriting.
  10. Interpret a biopsy pathology report on lymphoma and leukemia.

Apply your underwriting knowledge on leukemia in case studies with real-life scenarios

Diseases and Disorders of the Kidneys

  1 hr   55 mins

In this course, you’ll learn about the anatomy and....

In this course, you’ll learn about the anatomy and physiology of the urinary system. You’ll also learn about a number of diseases and disorders of the kidneys, such as kidney stones, hydronephrosis, kidney-filtering disorders, acute kidney injury, and polycystic kidney disease. As well, you’ll learn about the factors to consider when underwriting these diseases and disorders.

  1. Describe the anatomy and physiology of the urinary system.
  2. Describe the primary functions of the kidneys.
  3. Identify the blood, urine, imaging, and biopsy tests used to evaluate kidney function and determine a diagnosis.
  4. Differentiate between chronic and acute kidney problems.
  5. Identify common diseases and disorders of the kidneys.
  6. Recognize the signs and symptoms of diseases and disorders of the kidneys.
  7. Describe the treatment options for diseases and disorders of the kidneys.
  8. Outline the risk factors for diseases and disorders of the kidneys, and their implications for life underwriting.

Hematology: Blood Diseases and Disorders

  1 hr   8 mins

The twenty third course in the Underwriting Training....

The twenty third course in the Underwriting Training Program will introduce you to hematology. In this course, you’ll learn about the components of blood, as well as red blood cell disorders, white blood cell diseases, and coagulation diseases and disorders. You’ll also learn about their signs and symptoms, diagnosis, treatment, risk factors, complications, and the factors to consider when underwriting these diseases and disorders.

  1. Define “hematology.”
  2. Describe the components of blood: plasma, red blood cells, white blood cells, and platelets.
  3. Identify the tests included in a standard complete blood count.
  4. Describe the following blood diseases and disorders: anemia, polycythemia, leukemia, hemophilia, von Willebrand’s disease, thrombocytopenia, and thrombocythemia.
  5. Identify the signs and symptoms of different blood diseases and disorders.
  6. Describe the diagnostic techniques for different blood diseases and disorders.
  7. Recognize the treatment options for different blood diseases and disorders.
  8. Outline the risk factors for different blood diseases and disorders.
  9. Describe the complications of different blood diseases and disorders that may impact mortality.
  10. Apply your underwriting knowledge on blood diseases and disorders in case studies with real-life scenarios.

Alcohol Use and Misuse

  28 mins

The twenty fourth course in the Underwriting Training....

The twenty fourth course in the Underwriting Training Program will introduce you to alcohol use and misuse. In this course, you’ll learn the difference between social drinking, moderate drinking, binge drinking, alcohol abuse, and alcoholism. You’ll also learn which types are a concern for underwriting and how to identify them in the underwriting evidence. As well, you’ll learn about the factors that must be considered when underwriting excessive alcohol use.

  1. Explain the difference between social drinking, moderate drinking, binge drinking, alcohol abuse, and alcoholism.
  2. Construct an applicant’s drinking profile based on the underwriting evidence.
  3. Distinguish harmful from non-harmful alcohol use.
  4. Explain the significance and limitations of liver function tests when underwriting alcohol misuse.
  5. Identify favourable and unfavourable characteristics from the underwriting evidence, and evaluate this information in relation to mortality impact.
  6. Apply your underwriting knowledge on alcohol misuse in case studies with real-life scenarios.

Drug Use

  40 mins

The twenty fifth course in the Underwriting Training....

The twenty fifth course in the Underwriting Training Program will introduce you to drug use and the way that it affects mortality. You’ll learn about signs and symptoms, risk factors, and complications of drug addiction. You’ll also learn about commonly misused prescription drugs and common illicit drugs and their health effects. As well, you’ll learn about the factors that must be considered when underwriting drug use.

  1. Define “drug use.”
  2. Identify the signs and symptoms of drug addiction.
  3. Describe the risk factors for drug addiction.
  4. Explain the complications that can arise from drug addiction.
  5. Name the different classes of prescribed drugs and illicit drugs that are commonly misused.
  6. Explain when a Drug Use Questionnaire is requested and the kind of information it provides.
  7. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  8. Apply your underwriting knowledge in case studies with real-life scenarios.

Mental Health Disorders

  1 hr   38 mins

The twenty sixth course in the Underwriting Training....

The twenty sixth course in the Underwriting Training Program will introduce you to mental health disorders. In this course, you’ll learn about anxiety disorders, attention-deficit/hyperactivity disorder, eating disorders, mood disorders, schizophrenic disorders, and stress-related disorders. You’ll also learn about the signs and symptoms, diagnosis, treatment, risk factors, and unfavourable characteristics that must be considered when underwriting these disorders.

  1. Define “mental health disorder.”
  2. Explain why mental health disorders can be challenging to underwrite.
  3. Describe the two main systems used to classify mental health disorders: Diagnostic and Statistical Manual of Mental Disorders (DSM) and International Classification of Diseases (ICD).
  4. Identify the signs and symptoms of anxiety disorders, attention-deficit/hyperactivity disorder, eating disorders, mood disorders, schizophrenic disorders, and stress-related disorders.
  5. Identify the treatment options for different types of mental health disorders.
  6. Outline the risk factors for different types of mental health disorders.
  7. Describe the complications of different types of mental health disorders.
  8. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  9. Apply your underwriting knowledge on mental health disorders in case studies with real-life scenarios.

Driving Risk

  15 mins

The twenty seventh course in the Underwriting Training....

The twenty seventh course in the Underwriting Training Program will introduce you to driving risk. In this course, you’ll learn which types of driver represent a greater risk than others and how to recognize the signs of a dangerous driver. You’ll also learn about the factors that must be considered when underwriting driving risk.

  1. Identify which individuals represent a higher risk for motor vehicle accidents.
  2. Identify the major and minor driving infractions that must be considered when underwriting driving risk.
  3. Evaluate a Motor Vehicle Report.
  4. Use the driving chart in an underwriting manual to determine any extra mortality ratings.
  5. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  6. Apply your underwriting knowledge on driving risk in case studies with real-life scenarios.

Foreign Travel Risk

  52 mins

The twenty eighth course in the Underwriting Training....

The twenty eighth course in the Underwriting Training Program will introduce you to foreign travel risk. In this course, you’ll learn about specific foreign travel risks, high-risk travel destinations, and occupations and avocations considered high risk due to their travel requirements. You’ll also learn about the factors that must be considered when underwriting foreign travel risk.

  1. Describe the key risks individuals face when they travel to other countries.
  2. Name high-risk travel destinations and the reasons why they are high risk.
  3. Describe occupations and avocations that are high risk due to their requirement for travel to high-risk areas.
  4. Explain what a Travel Questionnaire is and how it’s used in an underwriting assessment.
  5. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  6. Apply your underwriting knowledge on foreign travel risk in case studies with real-life scenarios.

Financial Underwriting

  51 mins

The twenty ninth course in the Underwriting Training....

The twenty ninth course in the Underwriting Training Program will introduce you to financial underwriting. In this course, you’ll learn about the reasons for financial underwriting and how to underwrite the financial risk of an applicant. You’ll also learn about factors that must be considered when underwriting personal life insurance, life insurance on children, and business life insurance.

  1. Explain what financial underwriting is and why it’s essential in life underwriting.
  2. Name the key pieces of evidence used in financial underwriting.
  3. Describe the factors to consider when financially underwriting personal life insurance.
  4. Describe the factors to consider when financially underwriting life insurance on children.
  5. Describe the factors to consider when financially underwriting business life insurance.
  6. Identify favourable and unfavourable characteristics from the underwriting evidence and how to evaluate this information in relation to mortality impact.
  7. Apply your underwriting knowledge on financial underwriting in case studies with real-life scenarios.

Pricing

USD
CAD
GBP
Individual Course Purchase

Base Course (Learn & Check)
$100 $130 £80

Case Study Add-On (Apply)
$50 $65 £40

Comprehensive (Learn, Check, & Apply)
$150 $195 £120

Full Program

Base Course (29 Modules)
$2,300 $3,000 £1,800

Case Study Add-On (27 Modules)
$1,200 $1,600 £1,000

Comprehensive (Learn, Check & Apply)
$3,500 $4,600 £2,800

Customizable Solution

CHOOSE HOW TO INTEGRATE OUR TRAINING SOLUTION INTO YOUR EXISTING PROGRAM, WHETHER ITS A FEW COURSES OR FULL ACCESS TO OUR ENTIRE PROGRAM AND APPLIED LEARNING TOOLS.

SPEAK TO US TO FIND THE RIGHT SOLUTION FOR YOU.

Endorsed by LOMA

Our training programs are endorsed by LOMA, the international trade association for the insurance and financial services industry, and are available through them as well. Our courses also offer something LOMA's traditional course offerings do not.

LOMA’s content focuses on the theory and organizational impact of Underwriting and Risk Assessment. In contrast, our program is heavy on the application of technical medical information to life underwriting. We also cover important fundamentals such as proper file documentation and the practical application of how impairments affect life mortality experience.

Convenient, Easy Access

While we typically offer both in-person and online courses, we are temporarily restricting our training solutions to online only. This will provide your staff with safe, any-time, anywhere access to:

  • Guided course curriculum

  • Interactive assessment tools and quizzes

  • Application exercises, using our real-world examples or your own.