Review individual applications for insurance to evaluate degree of risk involved and determine acceptance of applications.
<ul><li>Examine documents to determine degree of risk from factors such as applicant health, financial standing and value, and condition of property.</li><li>Decline excessive risks.</li><li>Write to field representatives, medical personnel, or others to obtain further information, quote rates, or explain company underwriting policies.</li><li>Evaluate possibility of losses due to catastrophe or excessive insurance.</li><li>Review company records to determine amount of insurance in force on single risk or group of closely related risks.</li><li>Decrease value of policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe, profitable distribution of risks, using reference materials.</li><li>Authorize reinsurance of policy when risk is high.</li></ul>