I always remember being told, early in my underwriting career (I’ll leave you to guess when that might have been), that it was the duty of the underwriter to accept as many cases as possible at the ordinary (standard) rate of premium – while maintaining equity between policyholders, of course. This was in the interests of inclusivity: making affordable insurance available to as wide a group as possible.
 

Part of "Extreme Sports - An Underwriting series" published by SCOR
 

Automated or electronic new business and underwriting systems allow life carriers to automate the processing and underwriting of new life insurance policies.