Cross, Don; And Others TITLE An Analysis of … · TITLE An Analysis of the,Insurance Underwriting....

DOCUMENT RESUME

ED 107 967 CE 004 180

AUTHOR Cross, Don; And OthersTITLE An Analysis of the,Insurance Underwriting

Occupation.INSTITUTION Ohio State Dept. of Education, Columbus. Div. of

Vocational Education.; Ohio State Univ., Columbus.Trade and Industrial Education InstructionalMaterials Lab.

SPONS AGENCY Office of Education (DHEW), Washington, D.C.PUB DATE [75]NOTE 120p.; For related documents, see CE 004 160-179, CE

/ 004 181-206, CE 004 263-268, and CE 004 425-427

EDRS PRICE MF-$0.76 HC-$5.70 PLUS POSTAGEDESCRIPTORS Communication Skills; *Insurance Occupa ions; *Job

Analysis; Knowledge Level; *Occupational nformation;Safety; Skill Analysis; Skill Development; TaskAna4sis; Task Performance; Work Attitudes

IDENTIFIERS *InSurance Underwriters

ABSTRACTThe general pu6ose of the occupational analysis is

to provide workable, basic information dealing with the many andvaried duties performed in the insurance underwriting occupation. Thedocument opens'with a brief introduction followed by a jobdescription. The bulk of the document is presented in table form.Nine duties-are broken down into a number of tasks and for each taska two-page table is presented, showing on the first page: tools,equipment, materials, objects acted upon; performance knowledge(related also to decisions, cues and errors); safety--hazard; and onthe second page: science; math--number systems; and communications(performance modes, examples, and skills and concepts). The dutiesinclude: verifying premiums; inspecting and selecting the risk;performing reunderwriting; filing underwriting records; determiningreinsurance needs; preparing special forms and endorsements; handlingaomplaints or inquiries; and determining coverage on specific claims.Appended are supplementary materials and a glossary of insuranceterms. (BP)

***********************************************************************Documentq acquired by ERIC include many informal unpublished

* materials not available from other sources. ERIC makes every effort ** to obtiin the best copy available. nevertheless, items of marginal *

* reproducibility are often encountered and this affects the quality *

* of the microfiche and hardcopy reproductions ERIC makes available *

* via the ERIC Document Reproduction Service (EDRS). EDRS is not* responsible for the quality of the original document. Reproductions ** supplied by EDRS are the best that can be made from the original.***********************************************************************

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AN ANALYSIS OF THE INSURANCE UNDERWRITING OCCUPATION

Developed By

Don CrossD.E. TeacherCoordinatorTri County J.V.S.Nelsonville, Ohio

Joe. E. Cook'

D.E. TeacherCoordinatorLinden Mainley High School-Columbus, Ohio

Myron B. GoffConsultantAgent, New York Life

Toledo, Ohio

Occupational AnalysisE.P.D.A. Sub Project 73402

June 1, 1973 to December 30, 1974Director: Tom L. Hindus

Coordinator: William L. Ashley

The Instructional Materials Laboratory

Trade and Industrial EducationThe Ohio State University

3

"The activity which is the subjectof this report was supportee in

whole or in part by the U.S. Officeof Education, Department of Health,Education, and Welfare. However,the opinions expressed herein donot reflect the position or policyof the U.S. Office of Education,and no official endorsement by theU.S. Office of Education should beinferred."

4

TABLE OF CONTENTS

Foreword

Preface vii

Acknowledgment ix

Job Description xi

Duties

A Verifying Premiums 1

B Ihspecting the Risk 33

C Selecting the Risk 51

D Performing Reunderwriting 71

E Filing Underwriting Records 83

F Determining Reinsurance Needs 93

G Preparing Special Forms and Endorsements 99

H Handling Complaints or Inquiries 14)5

I .Determlning Coverage on Specific Claims 111

Index 1115

Index 2 r 117

Index 3119

Glossary121

FOREWORD

The occupational analysis project was conducted by The Instructional Materials

Laboratory, Trade and Industrial Education, The Ohio State University in con-

junction with the State Defartment of Education, Division of Vocational Educa-

tion pursuant to a grant irom the U.S. Office of Education.

Thn Occupational Analysis project was proposed and conducted to train voca-

tional educators in the techniques of making a comprLhensive occupational

analysis. Instructors were selected from Agriculture, Business, Distributive,

Home Economics and Trade and Ind4strial Education to gain experience in

developing analysis documents for sixty-one different occupations. Repreben-

tatives from Business, Industry, Medicine, and Education were involved with

the vocational instructors in conducting the analysis process.

The project was conducted in three phases. Phase one involved the planning

and development of the project strategies. The analysis process was based

on sound principles of learning and behavior. Phase two was the identifica-

tion, selection and orientation of all participants. The training and work-

shop sessions constituted the third phase. Two-week workshops were held

during which teams cf vocational instructors conducted an analysis of the

occupations in which they had employment experience. The instructors were

as'isted by both occupational consultants and subject matter specialists.

e project resulted in producing one hundred two trained vocational instruc-

t rs capable -of conducting and assisting in a comprehensive analysis of

various occupations. Occupational analysis data were generated for sixty-one

occupations. The analysis included a statement of the various tasks performed

in each occupation. For each task the following items were identified:

tools and equipment; procedural knowledge; safety knowledge; concepts and

skills of mathematics, science and communication needed for successful per-

formance in the occupation. The analysis data provided a basis for generating

instructional materials, course outlines, student performance objectives,

criterion measures as well as identifying specific supporting skills and

knowledge in the academic stEJject areas.

PR'-FACE

The purpose of this book is to introduce the worker to the field of insurance. Insurance

can be divided into four major areas: sales, underwriting, claims, and services. A

discussion of all of these area is impossible due to th, limited amount of tire and the

scope of each area. Therefore, the writers have confined the discussion to ttha area of

insurance underwriting-personal lines. The job of under ritinc provides the best over-all

view of the insurance industry and provides a good basis for the other jobs in the insurance

field. Underwriting is a function of all insurers and includes the selection and pricine

of risks. The job of selecting those risks to he insured and the pricing of the risks makes

the role of the underwriter one of utmost importance. It is the selection and pricing

function which ultimately determines the success of a company.

In discussing the area of underwriting, the writers have approached it from a personal

lines underWriting view. This was done purposely so. as to exclude the area of commercial

lines underwriting. The area of commercial lines underwriting, though basically the same

as personal lines, is much broader in its scope of involvement. However, a background in

personal lines underwriting will provide an excellent basis for commercial underwriting.

The approach to underwriting involves primarily the selection and rating functions. Those

duties and relative tasks listed are involved in underwriting an application for insurance

from the time it is submitted until the underwriter makes a decision whether to accept or

reject the risk. Though the job of personal line underwriting is manageable, a considerable

amount of simplification was required to complete the book in the time available. Con-

sequently, many of the tasks listed may include, in fact, several tasks that could have

been individually described. Some of the more minor taks performed have been eliminated

altogether. In addition, the risk,is not usually involved in thi3 function until he/she

achieves a considerable degree of expertise.

ACKNOWLEDGMENT

We Wish to acknowledge the valuable assistance rendered by the following

subject matter specialists. They provided input to the vocational instruc-

tors in identifying related skills and concepts of each respective subject

matter area and served as training assistants in the analysis process during

the two-week workshops.

Rollin M. Barber, PsychologyThe Ohio State UniversityColumbus, Ohio

Jodi Beittel,'CommunicationsColumbus, Ohio

Diana L. Buckeye, MathematicsUniversity of MichiganAvon Lake, Ohio

Rick Fien, ChemistryThe Ohio State UniversityBeachwood, Ohio

N.S. Gidwani, ChemistryColumbus Technical InstituteColumbus, Ohio

Bruce A. Hull, BiologyThe Ohio State UniversityColumbus, Ohio

Donald L. Hyatt, PhysicsWorthington High School

Worthington, Ohio

Glenn Mann, CommunicationsColumbus, Ohio

Jerry McDonald, Physical SciencesColumbus Technical InstituteReynoldsburg, Ohio

Colleen Osinski, PsychologyColumbus Technical InstituteColumbus, Ohio

David Porteous, CommunicationsUniversity of ConnecticutColchester, Connecticut

James A. Sherlock, _CommunicationsColumbus Technical InstituteColumbus, Ohio

Jim VanArsdall, MathematicsWorthington High SchoolWorthington, Ohio

Lillian Yontz, BiologyThe Ohio State UniversityCaldwell, Ohio

The following individuals are acknowledged for their organizational assistance in

identifying and coordinating the vocational instructors and consultants in Distributive

Education.

Cathy-Ashmore, DirectorDistributive Education Instructional

Materials LaboratoryColumbus, Ohio

James R. GleasonIndian Hills High SchoolCincinnati, Ohio //

Acknowledgment is extended to the following I.M.L. staff members for their role in

conducting the workshops; editing, revising, proofing and typing the analyses.

Faith JusticeSheila NelsonMarsha OpritzaRita BuccillaPeg BushelmanCarol FausnaughMindy FausnaughRita HastingsCarol HicksSue HolsingerBarbara HughesCarol MarvinPatti NyeKathy RoedigerMary Salay

Research AssociateAdministrative AssistantEditorial ConsultantTypistTypistTypistTypistTypistTypistTypistTypist

_ TypistTypistTypistTypist

Ig

JOB DESCRIPTION

The insurance underwriter reviews applications and policies of personal lines insurance to

verify premiums and to select the risks. An underwriter also orders inspections; performs

reunderwriting; determines reinsurance needs; prepares special forms and endorsement;

handles complaints and inquiries; and determines coverage on specific claims.

lb

Duty A

Verifying Premiums

1Review policy classification-auto

2Review policy rate-auto

3Review policy through inspection and previous classification criteria-auto

4Review policy classification-homeowners

5Review polity rate - homeowners

6Review policy through inspection and previous classification criteria-homeowners

7Review policy classification-personal property floater (PPF)

8Review policy rate -PPF

9Review policy through inspection and previous classification criteria-PPF

10

Review policy classification -life

11

Review policy rate...life

12

Review policy through inspection and previous classification/rate criteria-life

13

Review policy classification- health /disability income

14

Review policy rate-health/disability income

15

Review policy through inspection and previous classification/rate criteria-health/disability income

(TASK STATEMENT)

REVIEW POLICY CLASSIFICATION-AUTO

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED UPON

.

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E

4rIC

.

SA

FE

TY

HA

ZA

RD

Application-policy

Auto manual

Desk (60")

Chair (swivel)

Phone

Dictating facility

Calendar

Stapler

.,

Stapler remover

"In" basket

"out" basket

-

Pile cabinet (2 drawer)

Pencils

Pea

Nano forms

Phone directory

Chair (straight back)

04

Determine age of youngest operator

Determine sex of youngest operator

Determine marital status of youngest

operator

Determine use of automobile and type

Select classification

Write or phone agent on obvious

inconsistencies

___

General office safety (see index

: ,

-

DECISIONS

Classify according to company

standards

1

.

CU

ES

ER

RO

R$

Policy must be reclassified

resulting in agent/policy-

holder dissatisfaction

,

Factors evaluated frompolicy or

application type-of vehicle,

number of vehicles,,insured*-age,

sex, marital

statust'use

Driver under 25- principal or

occassional operator, business use,

engine performance

,

*Criteria for further verificationof

class:

individual company standards

for obtaining inspection reports

A (TASK STATEMENT)

REVIEW POLICY CLASSIFICATION

AUTO

`SC

IEN

CE

MA

TH

NU

MB

ER

SY

STE

MS

Beh

avio

ralscience

(see index 2)

Math Model A:

Basic arithmetic skills: read whOle numbers (decimals),

indexing

Read tables of rates and classifications, basic logic

,

CO

MM

UN

ICA

TIO

NS

PER

FOR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index

1)

(see index 1)

(see index 1)

(TA

SK

ST

AT

EM

EN

T)

/TOOLS, EQUIPMENT, MATERIALS,

OBJECTS ACTED UPON

PERFORMANCE KNOWLEDGE

SAFETY

HAZARD

Application - policy

Auto rate manual'

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Stealer remover

"in" basket

"out" basket

File cabinet (2 drawer)

Pencils

Pen

Memo forme

Maim directory

,.

View application for: territory, cover

age, use, limits of liability, pre-

vious losses, classification

View rate manual for proper rate

Write or phone agent where conflict

exists

.-

Determine proper rate

General office r -fety

(see index 3)

,

.

/

i i

DECISIONS

.

.

01,1

Rating inconsistent with classificati

(improper rate) - territory, cow-

erage, use, limited of liability

,

ER

RO

RS

Loss of income to company or excessive

premium paid by insured

.

Datelmine'proper rate for risk based on

company prodedures*

*Criteria for further verfication of

rate individual company standards

for Obtaining inspecting reports

112

%lm

oan

*we

et I

t.nrs

11.1

Iry

£ad

arr

-a. v

asiii

XI1

LII

- -1

1A/

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science --(see index 2)

Math model B:

Irrationals/rational-fractions/decimals

Use of numbers (without calculation) counting, coordinate

system, ordering, indexing

Fundamental operations (calculations) addition, subtraction,

multiplication algorithm

Ratio and proportion, estimate, rounding off decimals and'

whole numbers erates, ratio and proportion]

Calculators - electric, mechanical

Measurement - linear, area

Read and interpret tables, charts and graphs - maps, number

line/coordinate graph [classification and rating tables]

Basic logic - symbolism, deductive or inductive, impli-

cations /converse /inverse /contrapositive, arguments/test

for validity, proof (direct, indirect)',

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

EMODES

EXAMPLES

SK

ILLS

/CO

NC

EP

TS

(see index 1)

(see index 1)

(see index 1)

(TASK STATEMENT)

REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION

-AUTO

TOOLS, EQUIPMENT, MATERIALS,

OBJECTS ACTED UPON

-PERFORMANCE KNOWLEDGE


Auto manual

Inspection -motor vehicle record

Desk (60")

Chair (swivel)

Chair(straight back)

Phone

Dictating facility

Colander

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Nemo forms

Phone directory

Evaluate information from inspection

report

Evaluate motor vehicle record

Compare information developed

from previous application and/or

policy

SAFETY - HAZARD

General office safety -(see index

3)

DECISIONS

late according to company standards

CU

ES

ERRORS

Additional rating information developed Lossof income to company or excessive

i.e., additional driver - underage

premium paid by insured

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science - (see index 2)

Math model B:





multiplicaiton algorithm

Ratio and proportion, estimate, rounding off decimalsand

whole numbers

rates, ratio and proportions]




line /coordinate graph (classification and rating

tables]


cations/converse/inverse/contrapositive, arguments/tests

for validl.ty, proof (direct, indirect)

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

A4

(TA

SK

,ST

AT

EM

EN

T)

14k0B

JELC

Sis

EG

AU

CIT

PM

ED

EN

UT

, MA

TE

RIA

LS,

2REVIEW POLICY CLASSIFICATION - HOMEOWNERS (HO)

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

Y -

HA

ZA

RD


Homeowners manual

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calemdar

Stapler

Staple remover

"in" basket

"out',! basket


Pencils

Pen

Memo forms

Phone directory D

EC

ISIO

NS

Classification according to company

standards

Determine construction

Determine type of dwelling

Determine occupancy

Select classification

Communicate discrepencies and solve

CUES

General office safety - (see index 3)

ER

RO

RS

Factors evaluated from policy or appli

Policy must be reclassified resulting

cation*-frame, brick veneer, brick,

in agent/policyholder dissatis-

masonry, type of roof, type of-dwell

faction company losses income

ing - one family, two family, multi-

ple family

bUsiness occupancy

*Criteria for further verification of

Class individual company standards


/40P

. O I

/111

CIV

ICII

II 1

1R

EV

IEW

YU

LIC

YPf

A

SCIE

NC

EM

AT

HN

UM

BE

R S

YST

EM

S

Behavioral science -(see index, 2)

Math model A:

Basic arithmetic skills: read whole numbers (decimals),

indexing

Read tables of rates and classification, basic logic

CO

MM

UN

ICA

TIO

NS

PER

FOR

MA

NC

E M

OD

ES

EX

AM

PLE

SSK

ILL

S /C

ON

CE

PTS

(see index 1)

(see index 1)

(see index 1)

9

(TA

SK

ST

AT

EM

EN

T)

TOM,

EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OBJECTS maim UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E.

SA

FE

TY

HA

ZA

RD

.


Determine territory


Homeowners manual

Verify amount of insurance on dwelling

Desk (60")

Determine limits of liability

Chair (swivel)

Determine medical payment limit


Select rates

Phone

Multiply valuation times rate (per

Dictating facility

$1,000)

Calendar

Communicate discrepencies and resolve

Stapler

Staple remover

"In" basket

"out" basket


,

Pencils

Pen

Memo forms

Phone directory D

EC

ISIO

NS

CU

ES

ER

RO

RS

Rate according to company standards

Factors evaluated from policy or app-

Policy must be rerated resulting in

lication*-territory -location of pro-

perty, amount of insurance on pro-

perty, limit of liability, medical

agent/policyholder dissatisfaction

payment limit, classification


rate.

Individual company standards


'^

'1.4

" ' "

4.;

SCIENCE

.

MATH

NUMBER SYSTEMS


..

Math Model B:


Use of numbers (without calculations) counting, coordinate

system, ordering, indexing-



Ratio and proportion, estimate, rounding off decimals and

whole numbers [rates, ratio and proportions)






cation/converse/inverse/contrapositive, arguments/test

for validity, proof (direct, indirect)

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

EMODES

EXAMPLES

,SK1LLS/CONCEPTS

(see index 1)

.

(see index 1)

-.

(see index 1)

0

1-3

REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION.

CRITERIA - HOMEOWNERS

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

- H

AZ

AR

D


ameeners mutual

Inspection

Photo

Desk (60")

Chair (swivel)

-Chair (straight back)

Phone

Dictating facility

Calendar

Stapler

Staple remover

"In"basket

"out" basket

File cabinet-(2 drawer)

Fanelli

Pen

Memo forms

Phone directory


report and/or


from previous application and/or

policy


DE

CIS

ION

S


CUES

ERRORS



Additional rating information, i.e.,

construction:

brick veneer not

'brick, etc.

(TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY THROUGH INSPECTION AND PREVIOUSCLASSIFICATION CRITERIA

HOMEOWNERS

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model B:

Irrationals/rationals-fractions/decimals






whole numbers [rates, ratio and proportions]






cations/converse/inverse/contrapositive, arguments/test


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

EMODES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

(see index 1)

(see index 1)

SLR

14.

A7

(TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY CLASSIFICATION - PERSONAL PROPERTY

FLOATER (PPF

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

- H

AZ

AR

D


Inland marine manual

Appraisals'

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Determine class of property -ie, fine

arts, silver, etc.

_

Select classification from manual

Communicate discrepencies and resolve

.


-

_

.

DE

CIS

ION

SC

UE

SE

RR

OR

S

Classify according to company standards

Factors evaluated from policy or appli-

cation * -unscheduled property,

scheduled property-kind

Specific listings of property


of class individual company standards


,

Policy must be reclassified resulting

in agent/policyholder dissatisfac-

tion

-

(TA

SK

ST

AT

EM

EN

T)


PERSONAL PROPERTY FLOATER (PPF)

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Beh

avio

ralscience

-(see index 2)

1

Math model A:


indexing


.

CO

MM

UN

ICA

TIO

NS

PER

FOR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see

inde

x 1)

(see index 1)

(see index 1)

lib

26

(TA

SK

ST

AT

EM

EN

T)

TOOLS, EQUIPMENT, MATERIALS,

(mums ACTED WON

PERFORMANCE

KN

OW

LED

GE

,

SAFETY

HAZARD


Island marine-manual

Appraisals

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calemdar

,

Stapler

Staple remover

"In" basket

"out "basket


Pencils

Pen

Nino fors

Phone directory

,

*Differentiate between, unscheduled

and scheduled personal property

Determine amounts) of insurance re-

quested

Determine territory (location)

Determine rate from foregoing

.

Multiply amounts) of insurance by

class rate

0Criteria for further verification

of rate and inspection usage

Individual company standards

General. ffice safety - (see index 3)

/

.

...,

.

DE

CIS

ION

SC

UE

SE

RR

OR

S

Policy misrated

resulting in agent/

policyholder dissatisfaction

Bate, according to company. standards

Scheduled personal property - appraise

slips

.

isREVIEW POLICY RATE

PERSONAL PROPERTY FLOATER

..

SC

IEN

CE

IM

AT

HN

UM

BE

R S

YS

TE

MS


Math model B:












Basic logic - symbolism, deductive or inductive, implica-

tions/converse/inverse/contrapositive, arguments/test for

validity, proof (direct, indirect)

,

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

EMODES

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index 1)

.

(see index 1)

(see index 1)

17

2.7

(TA

SK

ST

AT

EM

EN

T)

REVIEWPOLICY THROUGH

INSPECTIONAND PREVIOUS

CLASSIFICATIONCRITERIA


SA

FE

TY

HA

ZA

RD

eral office safety - (see index 3)

TO

OLS

, EQ

UIP

ME

NT

,MATERIALS,

OB

JEC

TSACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E.

Application/policy


Gen


report

Appraisal

Review appraisal

Desk (60")

Compare to information on application/

Chair (swivel)

or policy


Phone

Dictating facility

Caiamdar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

.

DE

CIS

ION

S'

C,JES

ER

RO

RS


Scheduled property valuations proper

Policy misrated resulting in agent/

.policyholder dissatisfaction

lig (

TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICAT/OKCRITERIA


1

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model B:

Irrational /rational - fractions /decimals

Use of numberi (without calculations) counting,

coordinate


FUndamental operations (calculations) addition, subtraction,


Ratio and proportion, estimate, rounding off decimals

and


Calculators

electric, mechanical


Read and interpret tables, charts and graphs - maps,

number

line/coordinate graph [classification and rating table]

Basic logic - symbolism, deductive Jr inductive, implica-

tion/converse/inverse/contrapositive, argument/test for


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see

inde

x 1)

(see index 1)

EX

AM

PLE

S

19

SK

ILLS

/CO

NC

EP

TS

(see index 1)

Aio

(TA

SK

ST

AT

EM

EN

T)


LIFE

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

N

1111

1111

1111

1MM

nn

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application

Life manual

Desk (60")

Chair (swivel)


Phone

Dictating facility

Cal

enda

rStapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

\_},J

Memo forms

Phone directory D

EC

ISIO

NS

Select plan

Determine type of plan desired

Select proper tables of rates

General office safety-(see index 3)

CUES

Specific plan requested

ER

RO

RS

Improper plan selected resulting in


4(T

AS

K S

TA

TE

ME

NT

)R

EV

IEW

PO

LIC

Y C

LAS

SIF

ICA

TIO

NLI

FE

SCIE

NC

EM

AT

HN

UM

BE

R S

YST

EM

S

Behavioral science

-(see index 2)

Math model A:

.


indexing


CO

MM

UN

ICA

TIO

NS

PER

FOR

MA

NC

E M

OD

ES

EX

AM

PLE

S'

SK

ILLS

/CO

NC

EP

TS

see

index 1)

'

(see index 1)

.

(see index 1)

21

All

(TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY RATE

LIFE

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Life manual

Medical dictionary

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

w'in" basket

"out" basket


Pencils

Pen

Memo fortes

Phone directory

Determine standard rating factors--

--attained age, sex, etc.

Determine ratable substandard factors

Determine amount of insurance

Determine rider coverages

Communicate rate and premium


DE

CIS

ION

S


CUES

Factors evaluated from application*-

age, sex, weight, blood pressure,

family health, general health, avo-

cations, occupation, build, driving

history, amount of insurance,

classification, accidental death,

pay or disability, hobbies,

occupation, medical history


rate: individual company standards


ER

RO

RS

Policy must be rewritten resulting in


4TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY RATE - LIFE

V

SC

IEN

CE

MA

TH

--

NU

MB

ER

SY

ST

EM

S

Behavioral science -(see index 2)

Math model B:






_

.


whole numbers [rates, ratio and proportion]








CO

MM

UN

ICA

T!O

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

(see index 1)

(see index 1)

A.

23

R12

(T

AS

KS

TA

TE

ME

NT

)REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION/RATING CRITERIA

LIFE

TO

OLS

,E

QU

IPM

EN

T, M

AT

ER

IALS

,O

BJE

CT

S A

CT

ED

UP

ON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

na

Application

Life manual

Medical dictionary

Inspection

Medical ,exaniaers report

Desk (60")

Chair (swivel)


Phone

Dictating facility

Caleadar

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory D

EC

ISIO

NS

Rate policy according to company stan-

dards

Evaluate information from medical

examiner's report


report


from previous application

CUES

Additional rating factors developed

from inspection, i.e., hazardous

hobby


from medical exam - i.e.,high blood

pressure


ERRORS

Policy must be rewritten resulting

in agent/policyholder dissatisfac-

tion

i12(

TA

SK

ST

AT

EM

EN

T)

REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION/RATING CRITERIA

LIFE

SCIENCE

MA

TH

NU

MB

ER

,SY

ST

EM

S


Math model' B:















CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index 'i)

25

3 5

:16

A(T

AS

K S

TA

TE

ME

NT

)1.

../

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OBJECTS ACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application

Accident - sickness manual

Disability manual

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Select type of plan

Determine occupation

.

Determine days of stay (hospital)

Determine surgical schedule

Determine basic rating table

Communicate discrepencies

General office safety -(see index 3)

.

.

DECISIONS

'CUES

.E

RR

OR

S

Select plan and occupation


type of plan, occupation, specific

plan requested, hazardous occupations


class individual company standards


.

Improper plan selected resulting in

_agent/policyholder dissatisfaction

AliT

AS

K S

TA

TE

ME

NT

)REVIEW POLICY CLASSIriCATiON

aLSABLI.LiY IatAME

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model A:

Basic arithmetic skills: read whole number

(decimals),

indexing

Read tables

of rates and classification, basic logic

COMMUNICATIONS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

EX

AM

PLE

S

(see index 1)

SK

ILLS

/CO

NC

EP

TS

( see index 1)

A14

(T

AS

K S

TA

TE

ME

NT

)REVIEW POLICY RATE

HEALTH

AND DISABILITY INCOME

fzR

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

N

Application

Rielth manual

Disability manual

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E

Determine age(s)

Determine sex

Determine family size

Determine substandard rating factors

Select rates from foregoing and

classification data

Communicate discrepencies

SA

FE

TY

HA

ZA

RD

General office safety - (see index 3

DE

CIS

ION

SC

UE

S


age, sex, weight, blood pressure,

family health,'avocations, general

health, driving history, family size


rate individual company standards


ER

RO

RS




Aj

REVIEW POLICY RATE

HEALTH

AND DISAbiLITY INcOME

.

SC

IEN

CE

.

MA

TH

NU

MB

ER

SY

ST

EM

S

-Behalrioral science - (see index 2)

Math model B:






Ratio and proportion, estimate, rounding off decimals and '





line/coordinate graph [clasiification and rating tables]


cations/conversetinverse/contrapositive, arguments/

test for validity, proof (direct, indirect)

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EXAMPLES

SK

ILLS

/CO

NC

EP

TS

(see index 1)

.

,

(see index 1)

(see index 1)

29

A(T

AS

K S

TA

TE

ME

NT

)REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION CRITERIA

HEALTH AND DISABILITY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Evaluate information from medical

General office. safety - (see index 3)

Health manual

examiner's report

Medical dictionary


liepection

report

Medical examiner's report

Compare information developed from

Desk (60")

previous application

Chair (swivel)


Phone

Dictating facility

Calendar

1

Stapler

Staple remover

"in" basket

"oht" basket

File cabinet '(2 drawer)

Pencils

..

Pen

Memo forms

Phone_ directory D

EC

ISIO

NS

CU

ES

ER

RO

RS

Rate policy according to company stand-

ards


from inspection, i.e., driving

history

Policy must be rewritten resulting in,



from medical exam, i.e., overweight

Asi

TA

SK

aT

A -

1 Lm

EN

T.

REVIEW POLICY THROUGH INSPECTION AND PREVIOUS CLASSIFICATION CRITERIA--HEALTH AND DISABILITY

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

behavioral science - (see index 2)

Math model B:

Irrationals/rationaliqractions/decimals





Ratio and proportion, estima..t, rounding off decimals and

whole numbers (rates, ratio and proportions]




line/coordinate graph (classification and rating table.]

Basic logic,- symbolism, deductive or inductive, impli-

cation/Convorse/inverse/Contrapositive, argument/test


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

S

(see index 1)

(see index 1)

31

SK

ILLS

/CO

NC

EP

TS

(see index 1)

Duty B

Inspecting the Risk

1Order inspection-auto

2Review inspection information-auto

3Order inspectionhomeowners

4Review inspection-homeowners

5Order inspection-PPF

6Review inspection-PPF

7Order inspection-life, disability income, health

8Review inspection-life, health, disability income

33

g(T

AS

K S

TA

TE

ME

NT

)ORDER INSPECTION-AUTO

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

- H

AZ

AR

D

Inspection order material -

Standard Inspection Report Order

Form

Motor Vehicle Report Order Form

Previous Carrier Information Form

Application

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Review application

Look for adverse information

Determine what type inspection to order

Order inspection report via phone or

letter

Place policy in follow-up


DE

CIS

ION

SC

UE

S

Adverse or questionable information

on application i.e., individual

company standard for obtaining in-

spection report

ER

RO

RS

The insuring of a

probability of

loss of income

Incorrectly rated

risk with a high

loss resulting in

to company

policy

---r

OT

AM

MT

XT

EM

ER

T)

ORDER INSPECTION

AUTO

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S


..,

Math model, A:


indexing

.


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 15

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S_.

......

(see index 1)

35L1

4

(TA

SK

ST

AT

EM

EN

T)

REVIEW INSPECTION INFORMATIONAUTO

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

N

Inspection report material-

Standard Inspection Report

Motor Vehicle Report

Previous Carrier Inspection Appli-

cation

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forma

Phone directory D

EC

ISIO

NS

Whether to classify, rate,

retain,

reject policy according to

informatiin inspection report

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E

Obtain policy from follow-up

Review informational report

Compare information on report with

that on application or policy

Inspect for adverse information

Settle discrepancies

Write.or phone agent

Writepor phone inspection company

CU

ES

Inconsistency between inspection and

application

Factor necessitating rejection, in-

creased rates, etc.

Factor looked for on inspection

information:

use, type of

vehicle, driver, drinking habits,

violations-accidents

SA

FE

TY

HA

ZA

RD

General office safety-(see index

3)

ER

RO

RS

Insuring of an undesirable

risk with

high probability of loss

resulting

in loss of income to company

Insuring risk at incorrect rate or

class

B (

TA

SK

ST

AT

EM

EN

T)

RE

VIE

W I

NSP

EC

TIO

N I

NFO

RM

AT

ION

AU

TO

SCIE

NC

EM

AT

HN

UM

BE

R S

YST

EM

S

Behavioral science

-(see index 2)

Math model A:


indexing

Read table of

rates and classifications, basic logic

COMMUNICATIONS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KI L

LS/C

ON

CE

PT

S

(see index 1)

(see indes 1)

(see index 1)

37

.17

TO

S Q

IMN

,M

TR

AS

EF

RA

C N

WE

GA

EY

- H

ZR

FJC

S A

TD

UO

.

plcto/oiy

Rve plcto/oiy

Gnrl ofc aey - (e

ne

)

Iseto re

om

eemn ed fr adtoa no-

oewes mna

ao

ek (0)

Cmay ciei

hi

sie)

Udrrtn ugmn

hi srih ak

eemn npcin cmay ad tp

hn

f rpr

o odr

Dcaig fclt

opn rtra

Clna

newiig jdeet

Salr

Cmlt npcin odr fr

tpe rmvr

"n

akt

"u" bse

ie cbnt (

rwr

ecl

e Mm om

hn ietr

EIIN

US

ER

R

gf deln, ocpto

fAcpac

f udsrbe rss

Dtrie wehr acpal

thmonr oain mut

fpeim witn

isrne osrcin

(TA

SK

ST

AT

EM

EN

T)

HOMEOWNERS

ORDER INSPECTION - HOMEOWNERS

B (

TA

SK

ST

AT

EM

EN

T)

ORDER INSPECTION

HOMEOWNERS

SCIE

NC

E.

MATH

NU

MB

ER

SY

STE

MS

4ehavioral science

-(see index 2)

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PER

FOR

MA

NC

E M

OD

ES

EX

AM

PLE

SSK

ILL

S/C

ON

CE

PTS

(see

index 1)

(see index 1)

(see index 1)

I

39

A.&

g(T

AS

K S

TA

TE

ME

NT

)REVIEW INSPECTION - HOMEOWNERS

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

DUPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application/policy

Review inspection and/or photo


Hamsownars manual

Compare information developed with

InspeCtion report

policy And application data

Photo of dwelling

Resolve discrepencies between inspec-

Desk (60")

tion data and application

Chair (swivel)

Communicate with agent

-


Communicate with inspection comr

Phone

pony

Dictating facility

Calendar

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory DECISIONS

CU

ES

ER

RO

RS

Inspection Verifies previous data

Substandard conditions

Substandard risk remains

at risk

Occupancy.discrepencies

or inadequate premiums charged

Construction differences i.e., brick

veneer, not brick

IB

4 (T

AS

K S

TA

TE

ME

NT

)REVIEW INSPECTION

HOMEOWNERS

SC

I EN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model A:

Basic arithmetic skills: read whole numbers

(decimals),

indexing

Read tables of rates and classifications, basic

logic

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

EX

AM

PLE

S

(see index 1)

SK

ILLS

/CO

NC

EP

TS

(see index 1)

41

3(T

AS

K S

TA

TE

ME

NT

)ORDER INSPECTION

PPF

51

IDOLS,

EQ

UIP

ME

NT

, MA

TE

RIA

LS,

CM

UE

CT

S A

CT

ED

LIM

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application/policy

Review application/policy



Determine need for inspection and/or

Inspection order forms

,

Desk (60")

appraisal

Select company for inspection

Chair (swivel)

Order inspection or appraisal


Complete order form

Phone

Call or write inspection company

Dictating facility

Call or write agent

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

---

Phone directory D

EC

ISIO

NS

CU

ES

ER

RO

RS

Additional information is needed to

Excessively high values

Undesirable risk remains undiscovered

fully evaluate the risk

Undesirable location

"Hazardous" occupation

Occupation and ,yalues do not match-

i.e., laborer with large schedule

of fine arts

B(T

AS

K b

TA

1 tM

EN

TORDER INSPECTION

PPF

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model At


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see Index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS

/CO

NC

EP

TS

(see index 1)

43

,q2

B6

(TA

SK

ST

AT

EM

EN

T)

REVIEW INSPECTION

PPF

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application/policy


Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Inspection and/or appraisals

Review information on inspection report

Compare with information on application

Resolve discrepencies

Communicate with agent

Communicate with inspection com-

pany


DE

CIS

ION

SC

UE

SE

RR

OR

S,

Inspection verifies previous data

"Hazardous" occupations - i.e.,

traveling salesperson

Improperly written policy or high

exposure risk remaining on company

Location in high crime area

books

Scheduled property non-existent value

incorrect

CrAbn STAloWEN

RE171.Em INSkAtAION

rIPF

-

SCIE

NC

EM

AT

HN

UM

BE

R S

YST

EM

S

'Behavioral science

-(see index 2)

Math Model A:

.,Basic ,arithmetic skills: read whole numbers (decimals),,

indexing

Read tables' of rates and classifications, basic logic

2

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see

inde

x 1)

(see index 1)

,.

(see index 1)

ire

451'

4

ITA

SK

ST

AT

EM

EN

T)

ORDER INSPECTION

LIFE,

HEALTH, DISABILITY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Agent statement(s)

Life and/or health mar-Jal

Desk (60")

Chair (swivel)


Telephone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Evaluate app licetion

Select inspection service. r:quired

according to company stkIrds, i.e.

medical exam, independen, Inspection

firms, lab test(s)

Prepare necessary letter or request

forms and communicate as specified


DE

CIS

ION

S

Company criteria for inspection

CU

ES

Amount of insurance, age, occupation,

avocation, health history, family

health history

ER

RO

RS

Inadequate information to make sound

judgement

(TASK STATEMENT)

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science - (see index .7;

Math model Aa


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

EX

AM

PLE

S

(see index 1

)

SKILLS/CONCEPTS

(see index 1)

g(T

AS

K S

TA

TE

ME

NT

)REVIEW INSPECTION

LIFE, HEALTH, DI

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED

ACTED UPCHM

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application

Review all inspection data


Life,health, or disability manual

Compare With application and agent's

Inspection

statement

Attention physicah's rep.Jr..

Determine accuracy, completeness and


resolve differences

Lab test(s)

a. Communicate with agent

Agent's statements

b. Communicate with inspection com-

Desk (60")

pany

Chair (swivel)

c. Communicate with attending phy


sican

Telephone, telephone directory

d. Communicate with medical examiner

Dictating facility

e. Communicate with labs

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pan

Memo forms

DE

CIS

ION

S-

CU

ES

ER

RO

RS

Inspection data complete

Lab test(s) do not corresponds to phy-

Conflicting information remains result

,---

sical

ing in poorly supported under-

Attending physican's and medical exam-

iners reports conflict

writing decisions and rate

Hazardous occupations or avocations

B (TASK STATEMENT)

REVIEW INSPECTION

LIFE. HEALTH. DISABILITY

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Beh

avio

ralscience

-(see index 2)

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

I

EX

AM

PLE

SS

KI L

LS

/CO

NC

EP

TS

(see

index 1)

(see index 1)

(see index 1)

49

Duty C

Selecting the Risk

1Compare policy information with inspection data-auto, homeowners,

PPF

2Make changes as indicated-auto, homeowners, PPF

3Reject or cancel undesirable risk, auto, homeowners, PPF

4Compare application information with inspectiondata-life

5Make changes as indicated-life

6Refuse insurance-life

7Compare application information with inspection

data-health and disability

8Make changes as indicated-health and disability

9Refuse insurance-health and disability

51

Rfl

c.(T

ASK

ST

AT

EM

EN

T)

...$

TO

OL

S, E

QU

IPM

EN

T, M

AT

ER

IAL

S,O

BJE

CT

S A

CT

ED

UPO

N

Noir..-----....

PER

FOR

MA

NC

E K

NO

WL

ED

GE

SAFE

TY

HA

ZA

RD

Application

Inspection material

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket

File cabinet ( 2 drawer)

Pencils

Pen

Hem forms

Phone directory

Eraluate application and inspection

information - obtain policy from

follow-up, review informational re-

port, compare information on report

with that on application or policy,

inspect for adverse information,

settle any discrepencies [write or

phone agency, write

or phone in-

spection co.],'review inspection and/

or photo, compare information devel-

oped with policy and application

data, resolve discrepencies between

inspection data and application

[communicate with agent, communicate

with inspection co.], review infor-

mation on inspection report, compare

with information on application,

resolve discrepenceis [communicate

with agent, communicate with inspec-

tion co.]


DECISIONS

CU

ES

Adverse information on inspection not

listed on application

ERRORS

Whether information on inspection such

that a comparison with application

is necessary on communication with

agent is needed

f

Insure undesirable risk with high

probability of loss

Policy accepted at an incorrect rate

CAUTO

HOMEOWNERS

PP

SCIE

NC

EM

AT

HN

UM

BE

R S

YST

EM

S

Behavioral science

-(see index 2)

Math model A:


indexing

Read tables of rates and classifications, basic Logic

CO

MM

UN

ICA

TIO

NS

PE

R F

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SSK

ILL

S /C

ON

CE

PTS

(see index 1)

(see index 1)

(see index 1)

53

(TA

SK

ST

AT

EM

EN

T)

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application

Inspection material

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

.

Memo forms

Phone directory

Evaluat.., application and inspect for

adverse information, prepare change

forms


DE

CIS

ION

SC

UE

SERRORS

Whether -changes can be made to have

risk conform to company standa..:

..

Adverse information capable of being

changed'

Company insures undesirable risk

C2

M.o

..STA. i. vI EN ;

MAKI L.ttANGha AS IhviCATEu

AUIu, d0MhvviAERS

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Attributes of maximum functioning capacity

Conscious awareness of the need for a balance (both physics

and mental)

between tension and relaxation.

Relates to:

comfort, caution, safety, physical, emotional, and

intellectual health

Conscious awareness of physical expressions basic to peak

physical performance:

body rhythm, breathing coordinated

with body movement, body balance and posture, movement

from tension to relaxation and vice versa

Conscious awareness of qualities basic to optimal mental

performance:

attention, observation, concentration, mental alertness,

mental quietude, mental clarity, organization

Math model A:

Basic arithmetic skills: read whae numbers (decimals),

indexing

Read tablep of rates and classifications, basic logic

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see

inde

x 1)

EX

AM

PLE

S

(see index 1)

SK

I L L

S/C

ON

CE

PT

S

(see index 1)

55

e a'

)C

o-it

C(T

AS

K S

TA

TE

ME

NT

)

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

N

Nim

iiiii.

.0*i

i.P

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Inspection material

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Evaluate application and inspection

Review company rules for acceptance


DE

CIS

ION

SC

UE

SE

RR

OR

S

Whether risk is undesirable, company

Adverse information, non-conformity

standards

with company standards

,

Remain on risk that has high probabil-

ity of loss

.

C (

TA

SK

ST

AT

EM

EN

T)

REJECT OR CANCEL UNDESIRABLE RISK AUTO, HOMEOWNERS

PPF

4.--

--__

SC

IEN

CE

,

MA

TH

NU

MB

ER

SY

ST

EM

S



Conscious awareness of the need for a balance (both

physical and mental)

between tension and' relaxation.

Relates to:

comfort, caution, safety, physical,

emotional, and intellectual health



body rhythm, breathing coordinated with body movement,

body balance and posture, movement from tension to

relaxation and vice versa


performance

attention, observation, concentration, mental alertness,

mental quietude, mentalclarity, organization

Math model A:


indexing


.

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

EMODES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

(see index 1)

.

(see index 1)

--------

57

(TASK

ST

AT

EM

EN

T)

COMPARE APPLICATION INFORMATION WITH INSPECTION DATALIFE

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Evaluate all risk information:

General office safety-(see index 3)

Inspection report

factors to be included in

Medical examination

Lab test reports

evaluation [health history,

weight, blood pressure, lab test

Attending

statements

Agent's statement(s)

Medical dictionary

results, occupation, avocation,

attending physician statements,

family health history]

Life manual

Determine probability of premature

Desk (60")

death

Chair (swivel)

Weigh

decisions concerning death


probability with ratable factors

Phone

and premium developed from

Dictating facility

inspection and previous classi-

Calendar

fication /rating criteria

Stapler

Staple remover

"in" basket

"out" basket


Pencils, pen, memo forms

Phone directo

DE

CIS

ION

SC

UE

SE

RR

OR

S

Accept, refuse or alter insurance

Premature death near certainty-

i.e., terminal cancer

Severe financial loss to company

.

Cd

(TA

SK

ST

AT

EM

EN

T)

COMPARE APPLICATION INFORMATION WITH INSPECTION DATA

LIFE

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science (see index 2)

Math model A:


indexing


COMMUNICATIONS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

(see index 1)

(see index 1)

59

CR

(TA

SK

ST

AT

EM

EN

T)

TOOLS,

EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OBJECTS ACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Application

Inspection report

Medical examination

Lab test reports

Attending physician's statements

Agent's statements

Medical dictionary

Life manual

Desk (60")

Chair (swivel and straight back)

Telephone and telephone directory

Dictating facilities

Calendar

Stapler

,

Staple remover

"in" basket

"out" basket


Pencils

Pens

Memo forms

Application information and inspection

data indicate alteration of

insurance to issue rider voiding

insurance under certain conditions

(exclusion rider)

.

Prepare rider voiding insurance under

uninsurable condition

.


,

DE

CIS

ION

SC

UE

SI

Premature death near certainty - i.e.,

crop dusting vocation

ER

RO

RS

Acceptability of rider - agent, policy-

holder

Premature death due to voided cause -

leaves beneficiary "high and dry-'-'

i.e., no benefits

!TA

SK

ST

AT

EM

EN

T)

MAKE CHANGES AS INDICATED

LIFE

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S





between tension and relaxations

Relates to:






with body movement, movement from tension to relaxation

and vice versa


performance:

attention, observation, concentration,

mental alertness, mental quietude, mental clarity,

organization

Math model A:

Bas.c arithmetic skills: read whole numbers (decimals),

indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

K1L

LS/C

ON

CE

PT

S

(see index 1)

61

cr

(TA

SK

ST

AT

EM

EN

T)

RE

FU

SE

INS

UR

AN

CE

LIF

E

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

N

Application

Inspection report


Lab test reports

Attending physician's report

Agent's statement(s)

Medical dictionary

Life manual

Desk (60")




Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pens

Memo forms

DE

CIS

ION

S

All reasons communicated

Application information and inspectio

data indicate risk is uninsurable

Communicate decisions to agent

CU

ES

Agents statements, physicians reports,

inspection report, lab tests

General office safety(see index

3)

ER

RO

RS

Dissatisfaction c'f agent/application

c6 (

TA

SK

ST

AT

EM

EN

T)

RE

FU

SE

INS

UR

AN

CE

LIF

E

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S






Relates to:








Conscious awareness of qualities basic to\optimal mental

performance:



organization

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index 1)

63

C7

(TA

SK

ST

AT

EM

EN

T)

":2

COMPARE APPLICATION INFORMATION WITH INSPECTION DATA

HEATH AND DISABILITY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Application

Evaluate all risk information: factors

General office saf'

- (see index 3)

Health and disability manual

to be included in evaluation -

Inspection report

(weight, health history, blood pres-


sure, occupation, avocation, lab

Medical examine

s report

Lab tests

test results, family health history,

physicians reports]

Agent's statements

Determine probability of hospitalr

Medical

dictionary

ization, disability

Desk (60")

Weigh decisions in step 2 with ratable


factors and premium developed


from inspection and previous


classification criteria

Calendar

Stapler

Staple remover

"in" basket

"out's basket


Pencils, pens

Mem

oforms

DE

CIS

ION

SC

UE

SE

RR

OR

S

Accept, refuse or alter insurance

,

Frequency and/or probability of losses

Financial loss to company

1

t

s 1

s

C7

(TA

SK

ST

AT

EM

EN

T)

COMPARE APPLICATION iNFORMArION w11H INbetCTIoN DATA

dEALin AND DIDABILLII

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


,

Math model B:

Irrationals/rational-fractions/decimals.

Use of numbers (without calculations)

counting, coordinate










Basic logic - symbolism, deductive or inductive, impli



CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index 1)

(see index 1)

(see index 1)

65

(TA

SK

ST

AT

EM

EN

T)

MAKE CHANGES AS INDICATED-HEALTH

AND DISABILITY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED WON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

Y-

HA

ZA

RD


Application information and inspect/

General office safety(see index

3)

Application

data indicate alteration of

Inspection report

insurance to issue rider voiding


insurance under certain conditions

Lab tests

[exclusion rider]

Agent's statements

Prepare rider voiding insurance under

Medical dictionary

uninsurable condition


Desk (60")




Calendar

Stapler

Staple remover

'gin" basket

"out" basket


Pencils, pens

Memo forms

DECISIONS

CU

ES

ER

RO

RS

Acceptability, of rider-agent, policy-

Frequency and/or probability

of

Uncovered hospitilizations,

doctor

holder

losses

bills, disability, resulting in

dissatisfaction with company

C (

TA

SK

ST

AT

EM

EN

T)

MAKE CHANGES AS INDICATED

HEALTH AND DISABILITY

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S






Relates

o:









performance:



organization

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS /C

ON

CE

PT

S

(see index 1)

67

rats

(TA

SK

ST

AT

EM

EN

T)

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

DO

BJE

CT

S A

CT

ED

UP

ON

'

Application

Application information and inspection



data indicate risk is uninsurable

Inspection report

Communicate decision to at,*nt

Attending physicians report


Lab tests

Agent's statements

Medical dictionary

Desk (60")




Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils, pens

Memo forms

.

-

DE

CIS

ION

SE

RR

OR

S

All reasons communicated

Agent's statements, inspection reports,

physician's l'aports, lab tests

Dissatisfaction of agent/applicant

Cc,

(T

AS

K S

TA

TE

ME

NT

REFUSE INSURANCE- HEALTH AND DISABILITY

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Attributes of maximum functioning

capacity




Relates to:









performance:



organization

Math model A;


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS /C

ON

CE

PT

S

(see index 1)

6910

9)"-

:ra

f

Duty D

Performing Reunderwriting

1Review losses-auto, homeowners, PPF

2Review renewals-auto, homeowners, PPF

3Review other information as received-auto, homeowners, PPF

4Review. renewals and losses-health and disability

5Review renewals-life

'7q

TA

SK

ST

AT

EM

EN

T)

TOOLS,

EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OBJECTS ACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Loss reports

Application

Claims file

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Review losses

Review loss record relative to time

insured


DECISIONS

CUES

Loss with questionable circumstances

Frequent losses relative to time

insured

ER

RO

RS

Retain a risk that will cause the

company greater than expected losses

Whether losses of such magnitude or

with such frequency that a review is

needed, whether to change insured

for loss

0

TA

M S

TA

trilE

N'a

IPP

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral valence

(see index 2)

Math model A:

Atttibutee of maximum functioning capacity


indexing




between tension and relaxation.'

Relates to:








Conscious awareness of qualities basic to peak physical

performance:



organization

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

.

(see index 1)

(see index 1)

(see index 1)

-,

73

St)

(TA

SK

ST

AT

EM

EN

T)

REVIEW RENEWALS

AUTO. HOMEOWNERS. PPF

R1

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED

UP

ON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Computer print out

Application

View printout on risk

View loss information


Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory DECISIONS

CUES

ER

RQ

R$

Whether to retain risk cancel, charge

different rate, or reclassify and

reinspect

Loss experience (high)

,..,

Pay habits (bad)

----,

Other changes i.e., youihful driver

now of age

\,\

Continue on undesirable risk

Continue on risk at improper rate

TA

DR

ST

A. c

rfiE

N't

kEVI4w AENEmil,S - AuLO, hunADWNL.na

Pic

SC

IEN

CE

-M

AT

HN

UM

BE

R S

YS

TE

MS




physical and mental) between tension and relaxation.

Relates to:

comfort, caution, safety, and physical,


Conscious awareness of physical expressions basic to

peak



with body movement, body balance and posture, and

movement from tension to relaxation and vice versa

Conscious awareness of qualities basic to optimal

mental performance:

attention, observation,

concentration, mental alertness, mental quietude,

mental clarity, and organization

Math model A:


indexing


)

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

.

(see index 1) .

(see index 1)

(TASK STAEMENT)

REVIEW OTHER INFORMATION AS RECEIVEDAUTO,

HOMEOWNERS, PPF

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D' U

PO

N

Non-requested inspection

Clipping

Claims information forms

Agent information

Policyholder requests

Desk (60")

Chair (wwivel and straight back)

Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" baaket


Pencils, pens

Memo forms

Phone directory

DE

CIS

ION

S

Whether information received Is

such

to necessitate a review of

zisk,

other changes

tom

,.

PERFORMANCE KNOWLEDGE

SA

FE

TY

HA

ZA

RD

View other information not included

concerning risk, applications,

loss reports, claims file or

computer printout

CU

ES

Adverse information on material

received

General office safety-(see index

3)

NOMMEMEMW

ER

RO

RS

Failure t- correct problem could

result in loss to the company

(TA

*. S

TA

. csv

IEN

1i

REVIrm OTHLm .L.N1101.mr,LION

-F

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science

(see index 2)

Math model A:

Basic arithmetic skills: read

whole numbers (decimals),

indexing

Read tables of rates and classification,

basic logic

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SSKI LLS /CONCEPTS

(see index 1)

77

D (

TA

SK

ST

AT

EM

EN

T)

REVIEW RENEWAL AND LOSSES

HEALTH AND

DISABILITY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

MUMS ACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

Y -

HA

ZA

RD

Health and disability policy

-----

Review loss record (chronological list


Loss record

ing.and description of all reported

All inspection information

and settled losses]


Determine cause of losses

Desk (60")

Compare with previous medical and othe


inspection data

Phone

Evaluation probability of future loss

Dictating facility

frequency

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils, pens

Memo forms

Phone directory D

EC

ISIO

NS

CU

ES

ER

RO

RS

Criteria as established by company

Recurring disease, etc.

standards

Agent/policyholder dissatisfaction,

company financial loss

D4

REVIEW RENEWAL AND LOSSES

HEALTH' AND DISABILITY

SCIENCE

MATH

NUMBER SYSTEMS






Relates to









performance:



organization

Math model A:


indexing


.

r

COMMUNICATIONS

PERFORMANCE MODES

EXAMPLES

SKILLS/CONCEPTS

(see index 1)

(see index 1)

(see index 1)

79

(TA

SK

ST

AT

EM

EN

T)

RE

VIE

W R

EN

EW

AL

SL

IFE

TO

OL

S, E

QU

IPM

EN

T, M

AT

ER

IAL

S,O

BJE

CT

S A

CT

ED

UP

ON

PER

FOR

MA

NC

E K

NO

WL

ED

GE

SAFE

TY

HA

ZA

RD

(fair {swivel)

Chair {straight back)

Phone

Dictating facility

Calendar

Stapler

Staple remover

File cabinet (2 drawers)

Pencils

Pen

Nemo forms

Phone directory

Life policy

Life manual

Det

erm

ine

appl

icab

ility

of

cont

inu-

ing

tabl

e ra

ting

,

Gen

eral

off

ice

safe

ty -

(see

inde

x 3)

DE

CIS

ION

SC

UE

SE

RR

OR

S

Los

s of

insu

ranc

e (l

apse

) du

e to

in-

appl

icab

le r

atin

gsFactors present when policy issuedno

longer apply

Req

uest

s fr

om a

gent

s

D5

(TA

SK

ST

AT

EM

EN

T)

I

RE

VIE

W R

EN

EW

ALS

LIF

E

SC

IEN

CE


MA

TH

NU

MB

ER

SY

ST

EM

S

Math model


indexing


CO

MM

UN

ICA

TIO

NS

PE

R b

-OR

MA

NC

E M

OD

ES

(see index 1)

EX

AM

PLE

S

(see index 1)

SK

ILLS

/CO

NC

EP

TS

(see index 1)

81

1Rc

Duty E

Filing Underwriting Records

1File revisions in rate, classification, and form manuals

2Obtain and return policies-all lines

3Return policy to fileall lines

4Maintain personal files-all lines

E(T

AS

K S

TA

TE

ME

NT

)VISION

f 3

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Rate manual

Classification manual

Forma manual

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

.

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Locate

proper manual

View

the revisions

Make

any corrections

Obtain corrections

General office safety - (index 3) \ ---......2 ;

DE

CIS

ION

SC

UE

SE

RR

OR

S

Where to place revisions in manual

Revisions involved rate

Mother changes are necessary

Revisions involves class

Revisions involves forms

Revisions incorrect

The placing of incorrect revisions in

manual

(TA

SK

ST

AT

EM

EN

T)

FIL

E R

EV

ISIO

NS

IN R

A

SC

IEN

CE

.

CLASSIFICATION, AND

MA

TH

NU

MB

ER

SY

ST

EM

S

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

Reading

Viewing

Writing

EX

AM

PLE

S

Manual revisions, rate revisions,

company bulletins, trade bulletins,

interpretations

Manual revisions, rate revisions,

company bulletins, trade bulletins,

interpretations

Reference on file folders, amendments

and corrections

SK

I LLS

/CO

NC

EP

TS

Comprehension, speed and rate, infor-

mation, reports, definitions,

terminology

Recognition of symbols, codes and

emblems, memory - long and short

term

Denotative/connotative words, classifi-

cation, description, spelling, pen-

manship

85

91

E.

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED UPON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Desk (60")

Chair (swivel)

t


Phone

Dictating facility

itiPifr

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Folder request form

Inspection material

Agent memo

Write folder request

9111 filleelltlInlofidretP°1icYhoid er

Return folder to file

General office safety -

(see index 3)

DE

CIS

ION

SC

UE

S

Cha

nge

in p

olic

yAdverse information

Inspection material received

Memo from agent requesting change on

information

----

ER

RO

RS

Inability to complete work

Whether it is necessary to obtain

policy from file

(TA

SK

ST

AT

EM

EN

T)

OBTAIN AND RETURN POLICIES

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Underwriter must develop qualities of tact, firmness,

honesty and directness in his/her dealings with people

(agents and policyholders)

Underwriters must develop and maintain capacity to

foster cooperation with others

Underwriters must develop and maintain capacity to cape

with conflict behavior

Math model A:

Basic arithmetic skills:

read whole numbers (decimals),

indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

Reading

Writing

Speaking

EXAMPLES

Inspection, letters, memos

Request forms

Oral request for policy

SK

I LLS

/CO

NC

EP

TS

Comprehension, detail inference, term-

inology

Penmanship, form format, description-

policy needed

Terminology

87

E3

(TA

SK

ST

AT

EM

EN

T)

RETURN POLICI TO FILE

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Policy

-Desk (60")


Phone, phone directory

File information in folder when review

is completed

Put in follow-up file if future review

necessary

./.



Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils, pens

MMmo forms

Folder request form

Inspection material

Agent, memo

1

DE

CIS

ION

SC

UE

SE

RR

OR

$

Whether to retain policy at desk for

No other review of policy needed

Policy remain out of files unnecessar-

subsequent information or review or

No additional information forth coming

return to file

ily

B3

RETURN POLICY TO FILE

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Math Model A:


indexing


c.

COMMUNICATIONS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

Reading

Writing

Speaking

/

Inspection, letters, memos

Request form

Oral request for policy

_____

.

Comprehension, detail inference, term-

inology

Penmanship, form format, description-

policy needed

--Terminology

89

(TA

SK

ST

AT

EM

EN

T)

MAINTAIN PERSONAL FILES

-dr

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

File drawer

Agency file

District agency file

Set up file

Arrange file in some order (alphabet-

ical, numerical)

File information as received

File standard reference material, i.e.,

forms, manual, rate manual, etc.


DE

CIS

ION

S

Determine if information is such that

future reference will be needed

CUES

Information used as reference

Information will be used in-future to

assisting underwriter in making

decisions

ER

RO

RS

Loss of time in underwriting risk

because of necessity to locate

information needed

E4

(TA

SK

ST

A J

thol

EN

MAINTAIN PERSON

FILES

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

Reading

Viewing

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S-

VarioUs information as needed by under-

Comprehension, speed and rate, infor-

writer

mation, reports, definitions, term-

inology

Various information as needed by under-

Recognition of symbols, codes and

writer

emblems, memory - long and short

term

91f-

7

Duty F

Determining Reinsurance Needs

1Compare amount of insurance to maximum permitted

under reinsurance

treaty-all lines

2Prepare necessary form(s) and/or letters to accomplishreinsurance

and records-all lines

-4)

+r-

0.0-

Nt

F1

(TASK

ST

AT

EM

EN

T)

COMPARE AMOUNT OF INSURANCE TO MAXIMUM PERMITTED UNDER REINSURANCE TREATY

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Underwriting manual for line of insur-

ance

Desk (60")

Chair (swivel)

Chair (straight hack)

Phone

Dictating facility

Calendar

-/

Stapler,

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Policy

Reinsurance guides

Determine need for facultative re-

insurance

Factors to consider:

Liability limits

Amounts of insurance

Face values

Commuted values

Major medical limit

Covered hospital stay

Concentration

Exposures

Determine need for special reinsurance

factors to consider:

Reinsurance treaty

Facultative reinsurance agreement

Nature of risk or peril

Select reinsurer according to company

criteria

'General office safety - (see index 3)

DE

CIS

ION

S

Criteria as established by company and

reinsurer

CUES

High limits, amount-

susceptability

to catastrophe losses

ER

RO

RS

Severe financial stress - insolvency

F2

(TA

SK

ST

AT

EM

EN

T)

.

PREPARE NECESSARY FORM(S) AND/OR LETTERS TO ACCOMPLISH REINSURANCE AND RECORD --

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Underwriting manual for line of insur-

ance

Reinsurance guides

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"In" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

Policy

Facultative reinsurance

a. Notify selected reinsurer - lette

and/or transmittal form and copy

of policy

b. Record transaction showing:

Reinsurer's share of risk

Reinsurer's share of premium

Reinsurer's identity

Special reinsurance

a. Offer reinsurance to selected re-

insurer

b. Negotiate premium

c. When accepted, follow steps in

facultative reinsurance


(see index 3)

DE

CIS

ION

S

Reinsure according to company rein-

surer's standards

CU

ES

Lines of insurance

Limits or amount of insurance

ER

RO

RS

Reinsurance is not properly written

causing severe financial loss to

company

g (T

AS

K S

TA

TE

ME

NT

)COMPARE AMOUNT OF INSURANCE TO MAXIMUM PERMITTED UNDER REINSURANCE TREATY

a 0

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math model B:

Irrational/rational-fractions/decimals



Fundamental operations --(calculations) addition, subtractioi






Read and interpret tables, charts and graphs - maps, numbe

line/coordinate graph (classification and rating table]

Basic logic - symbolism, deductive or inductive, implicat-

ionsjconverse/inverse/contrapositive, arguments /test


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS/C

ON

C E

PT

S

(see -index 1)

95

'TA

SK

ST

AT

EM

EN

T)

PREPARE NECESSARY FORM(S) AND/OR LETTERS TO.ACCOMPLISH REINSURANCE AND RECORD

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S


Math Model B:.

Iriationals/rational-fraciions/decimals



Fundamental operations (calculations) addition, subtractiot







line/coordinate graph [classification, and rating table

Basic logic - symbolism, deductive (3,- inductive, implica-

tions/converse/inverse/contrapositive, arguments/test fc


CO

MM

UN

!CA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS /C

ON

CE

PT

S

(see index 1)

97

Duty G- Preparing Special Forms and Endorsements

1Determine need for endorsement or special forms all lines

2Prepare a specimen form-all lines

MASK

ST

AT

EM

EN

T)

DETERMINE NEED FOR ENDORSEMENT ON SPECIAL FORM.

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED

UP

ON

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E

..

SA

FE

TY

HA

ZA

RD

Application

View applications

General office safety- (see index 3:

Policy

Restrict or extend coverage

Forms manual

Read endorsement in form manual

Desk (60")

Locate proper endorsement

.Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


Pencils

Pen

Memo forms

Phone directory

DE

CIS

ION

SC

UE

SE

RR

OR

S

Determine whether an extension or

Policyholder wants coverage not

Proper coverage is not accomplished

restricting of policy is necessary

included on regular policy

resulting in policyholder

Company standards' require

restricting coverage,

,

dissatisfaction

.

G (

TA

SK

ST

AT

EM

EN

1 )

DE

TE

RM

INE

NE

ED

FO

R E

ND

OR

SE

ME

NT

ON

SP

EC

IAL

FO

RM

S

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Math model A:


indexing


CO

MM

UN

!CA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

(see index 1)

EX

AM

PLE

SS

KI L

LS

/CO

NC

EP

TS

(see index 1)

101

(TA

SK

ST

AT

EM

EN

T)

PREPARE A SPECIMEN FORM

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Policy - application

Forms manual

Desk (60")

Chair (swivel)

Chair (st.raight back)

Phone

Dictating facility

Calendar

Staple remover

"in" basket

"out" basket

File cabinet

(2 drawer)--

Pencils

Pen

Memo forms

Phone directory

Stapler

View applications

Read forms manual

Determine proper forms on endorsement

Write up proper forms on endorsement

Review for accuracy

Attach form to policy

Instruct typist

General office safety - (see index

DE

CIS

ION

S

What type of form or endorsement needed

CUES

Coverage that company does not normal-

ly provide is requested by

policyholder

Nature of risk requires company

to

restrict coverage

ER

RO

RS

Proper coverage not being provided

G2

(TA

SK

ST

AT

EM

EN

T)

PREPARE A SPECIMEN FORM

SCIENCE

MA

TH

NU

MB

ER

SY

ST

EM

S

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

'(see index 1)

EX

AM

PLE

SS

KI L

LS/C

ON

CE

PT

S

.(see index 1)

Duty H

Handling Complaints or Inquiries

1Review complaint or inquiry and determine answer-all lines

2Make necessary adjustment and/or reply to complaints or inquiries-alllines

1111

OD

(TA

SK

ST

AT

EM

EN

T)

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TSACTED. UPON

.

PE

RF

OR

MA

NC

E K

NO

WLE

DG

ES

AF

ET

YH

AZ

AR

D

Complaint oi inquiry

Policy and or application

Manual of insurance

Desk (60")

.

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket

File cabinet

(2 drawer)

Pencils

Pen

MOM° forms

Phone directory

Review inquiry or complaint with policy

application or manual*

Determine answer

*Not all questions will deal with a

specific policy, application or

policyholder, some will be purely

hypothetical in nature

..


.

DE

CIS

ION

SC

UE

S

Were original decisions inclusive

of all parts

.

ER

RO

RS

Wrong answer being given resulting in


Company committed incorrectly

Reaffirm original decision or alter

decision

Develop Proper answer according to

company standards and industry

interpretation

.

(TA

SK

ST

AT

EM

EN

T)

REVIEW COMPLAINT OR INQUIRY AND DETERMINE ANSWER

SCIENCE

Behavioral Science.: (see index 2)

MA

TH

NU

MB

ER

SY

ST

EM

S

Da* logc

gat.onaisi(decimals)

Use of numbers (without calculation)

Counting, coordinate system, ordering,

indexing

Fundamental Operations (calculation)

Addition,, subtraction, multiplication

.gorithm

Basic arithmetic skills and concepts

Ratio and proportion, estimation, rounding

off

decimals and whole numbers

(rates, ratio, and proportion):

Useof computing devices and mechat

aids

Calculators

Electric and mechanical

Basic measurement skills and concepts

Measurement:

geometric

Linear and area

Read and interpret tables, charts

and/or graphs

Maps and number line/coordinate Mans/blueprints

(classifica ion and rating

;

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

(see index 1)

EX

AM

PLE

S

(see index 1)

SK

L L

S/C

rIN

ICE

PT

S

(see index 1)

H(T

AS

K S

TA

TE

ME

NT

)KE NECESSARY ADREPLY TO COMPLAINTS OR

T

TO

OLS

, EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OB

JEC

TS

AC

TE

D U

PO

NP

ER

FO

RM

AN

CE

KN

OW

LED

GE

SA

FE

TY

HA

ZA

RD

Complaint or inquiry

Policy and/or application

Manual of insurance

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket

File cabinet

(2 drawer)

Pencils

Pen

Memo forms

Phone directory

Communicate answer by phone, letter or

memo

If alteration of premium or policy is

indicated, make adjustment as speci-

fied in special forms

Reinstate policy, if indicated


(see index 3)

,

DE

CIS

ION

SC

UE

SE

RR

OR

S

Changes and/or replies accomplished

according to insurance regulations

and company policies

Agent's policyholder's, rating bureau's

acceptance of decisions

Correspondents.dissatisfaction *

*Note: may be unavoidable

112

MAKE NECESSARY ADJUSTMENT AND /OR REPLY TO COMPLAINTS OR INQUIRIES

SC

IEN

CE

MA

TH

NU

MB

ER

SY

ST

EM

S

Behavioral science

-(see index 2)

-

Math model A:

Basic arithmetic skills: read whole numbers (decimals),-

indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS /C

ON

CE

PT

S

(see index I)

-__

(see index I)

(see index 1) .

,_

Duty I

Determining Coverage on Specific Claims

1Review loss information and policy and determine coverage-all

lines

I(

ST

AT

EM

EN

T)

REVIEW LOSS INFORMATION AND POLICY AND DETERMINE COVERAGE

-ALL LINES

,477.....---

TOOLS,

EQ

UIP

ME

NT

, MA

TE

RIA

LS,

OBJECTS ACTED UPON

msm.

PE

RF

OR

MA

NC

E K

NO

WLE

DG

E

/

SA

FE

TY

HA

ZA

RD

,

Policy - application

Notice of loss information

Desk (60")

Chair (swivel)


Phone

Dictating facility

Calendar

Stapler

Staple remover

"in" basket

"out" basket


'Pencils

Pen

Memo forms

Phone directory

Get policy - application from file-

Review notice of loss form,

Review policy contract

,

Consult claims department or agent/

phone or write

Look for any endorsement

Advise claims department of decisions

-,

.

.

/- General office safety - (see index

3)

DE

CIS

ION

SC

UE

SE

RR

OR

S

if

Policy in force

Determine if policyholder has coverage

PoNo restricting endorsement

for loss under policy contract

No adverse information on loss

Accident date

Date of loss

Financial loss to policyholder or

company

I(T

AS

K S

TA

TE

ME

NT

)REVIEW LOSS INFORMATION AND POLICY AND DETERMINECOVERAGE

ALL LIKES

SCIENCE

'M

AT

HN

UM

BE

R S

YS

TE

MS

Math model A:


indexing


CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

SS

KIL

LS/C

ON

CE

PT

S

(see index 1)

,.

(see index 1)

.

.

_

(see index 1)

I

lea

INDEX 1

CO

MM

UN

ICA

TIO

NS

PE

RF

OR

MA

NC

E M

OD

ES

EX

AM

PLE

S

Speaking

Reading

/r.

Writing

Dictating

Listening

Viewing

Telephone:

agent, rating bureau,

policyholder, inspection company,

physicians, claims personnel

Application, policy, manual, letters,

reports, lab reports

Memos:

agent, claims personnel

(adjustors)

Letters:

agents, policyholders,

inspection company, physicians

Replies:

agents, policyholders

physicians, inspection company,

claims personnel

Manuals:

rate and classification,

pages

SK

I LLS

/CO

NC

EP

TS

Terminology*/general vocabulary,

appropriate diction, enunciation,

persuasion and sales technique,

logic, poise

Comprehension, detail/inference,

terminology,* informational reports,

definition, classificationand rate

charts

Penmanship, spelling, memo

format,

terminology,* persuasion and

sales

technique, logic

Terminology*/general vocabulary,

appropriate diction, enunciation,

logic, proper dictating

techniques

Auditory discrimination,

discriminate

facts from non-facts, recognize

opinions, logic, note taking

Recognize symbols,

codes and emblems

*Note:

In reference to terminology-eachmajor line of insurance (auto,

life, etc.) has a special

vocabulary.

The worker must learn this

vocabulary to successfully perform

the function.

For example, in life insurance,

the underwriter must know or

recognize the various parts of the

body, diseases, etc.

The knowledge required,

however, is not the science

involved, only the terminology

and/or definitions.

INDEX 2

BEHAVIORAL SCIENCE*

Underwriter should be aware that timeliness of decisions

should be based on:

legal time limitations, company's financial interests, case

load and peace of

mind

Underwriter should maintain a proper balance betweenskeptism and accepting

information at face value

Underwriter must maintain a high level of professionalism and

emotional stability

Underwriter should be coached to anticipate stress resultingfrom heavy workload

and frequent decisions.

Such stress'could result in "Hasty" decisions.

Under-

writers should develop patience with self as he/she builds upspeed; and under-

writers should learn to counsel with supervisory and other

underwriters when

doubtful

Underwriter should be coached to give appropriate rationale

for action to agents

and/or policyholders in matters dealing with controversy

Underwriter must exercise professional objectivity

Underwriter must develop qualities of tact, firmness,

honesty'and directness in

his/her dealings with people

(agents and policyholders)

In conflicts of opinions, the underwriter must develop

strategies for terminating

discussions and must know when to refer to a high authority

Underwriter must exercise skill in helping complaintant

maintain dignity

Underwriter must explain rationale of withholding

information when necessary due

to confidentiality of,information

Underwriter must develop and maintain capacityto foster

cooperation with others,

to cope with conflict behavior, and to

generate integrity

Underwriter must exhibit qualities of self-confidence,

self-reliance, self-respect,

self-control and adaptability

*Physical sciences are not specifically involvedfor rationale, see

Index 1

Cg)

INDEX 3

GENERAL OFFICE, SAFETY

Rules of safety

Use care in the use of file cabinets or

drawers

Use care in cleaning off desk

Use care in moving about office

Hazards resulting from unsafe performance

Open file cabinet drawers, e.g., hitting leg on opendrawer

Opening of file drawers carelessly, e.g.,

opening top drawer with bottom drawer

closed causing cabinet to fall over

Papers and pencils, clips, etc.; lying on

floor creating tripping hazards

Not looking for other employees when

moving about, resulting in personal injury

Dropping lighted cigarettes, etc., in waste

containers., causing fires

....

MS.

GLOSSARY

Application- document that agent completes setting forth necessaryinformation to write

policy and to evaluate its acceptance

Manuals- each line of insurance has its own manual, ie., auto, etc.,

detailing all company

and industry rules, classifications, and rates.

The manual, also, defines the

terminology used within the manual

Inspection- as used in this duty and task analysis, inspections include motor

vehicle reports,

medical examiners reports, attending physicians statements,

appraisals, poloroid

photo graphs lab reports and investigations

Motor Vehicle Reports- a listing of accidents and

violations (as compiled by the

state department of motor vehicles)

incurred by a

licensed dtiver in that state

Medical Examiner's Report- a record of a physical examination

performed by a

physician appointed by the insurance company

Attending Physician's Statement- a report from a life or healthapplicant's

physician concerning the applicant's general

health or concerning a specific disease or

injury the applicant has received treatment

by that physician

Appraisal- an expert's evaluation of the current marketvalue of the property

in question

Polaroid Photograph- photograph of the property to be insured

Lab Reports- various analysis of urine, blood or body tissues as maybe required

Investigations- reports submitted by inspection companies such as the

retail

credit company, O'Hanlon, commercial services

and others, detailing

an applicant's driving, moral; drinking,

credit, health, and

personal reputation

GLOSSARY (CON'T)

Scheduled and Unscheduled Property- scheduled property are those items of personal property

having high value or specific sentimental value that is

specifically described in a personal property floater.

Unscheduled property is all other property covered by the

policy not specifically described

Carrier- an insurance company

Reinsurance- the transfer of insurance business from one insurer to another.

Its purpose is

shift risks from an insurer whose financial safety might be threatened by

retaining too large an amount of risk to other carriers that will share in the

risks of large losses

Loss Record-a chronological listing and description of all reported and settled losses

Loss Report- a copy of the notice of loss or a record of a specific loss that is given to

the underwriting department by the claims department

Renewal- the term "renewal" as used in this book means the period in time at which the

underwriter can redetermine the policy's acceptability according to contractual

or state regularatory rules

Reunderwriting- the function of underwriting a policy once the initial underwriting of

that policy has been completed

Rider or Endorsement- a form attached to and forming a part of the policy that in some

way alters the coverage or conditions of the basic policy.

The term

"rider" is used in life and health insurance.

The term "endorsement"

is used in fire, casualty (auto) and marine insurance.

Policy- the contract issued by an insurance company detailing the insurance afforded and the

conditions and limitations of such insurance

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