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The function of the underwriter is to acquire—or to "write"—business that will make the insurance company money, and to protect the company's book of business from intense itching skin cause risks that they feel will make a loss.
In simple terms, it is the process of issuing insurance policies.
Each insurance company has its own set of underwriting guidelines to help the underwriter determine whether or not the company should accept the risk.
Most common causes
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