Table 1.
Type of life insurance product requested by 548 applicants and resulting underwriting decisions
| Death | Trauma | TPD | DI | BE | Other | Total Decisions n (%) | |
|---|---|---|---|---|---|---|---|
| n (%) | n (%) | n (%) | n (%) | n (%) | n (%) | n (%) | |
| Standard decision | 287 (78) | 156 (71) | 118 (52) | 103 (49) | 4 (67) | 10 (59) | 678 (65) |
| Loading/exclusion/reduced sum insured | 52 (4) | 40 (18) | 74 (33) | 70 (34) | 2 (33) | 4 (24) | 242 (23) |
| Deferred | 8 (2) | 2 (1) | 7 (3) | 9 (4) | 0 | 0 | 26 (2) |
| Declined | 23 (6) | 22(10) | 28 (12) | 28 (14) | 0 | 3 (17) | 104 (10) |
| 370 (34) | 220 (21) | 227 (22) | 210 (20) | 6 (1) | 17 (2) | 1050 | |
| Withdrawn | 1 | 1 | 1 | 1 | 0 | 0 | 4 (7) |
| Pending | 19 | 9 | 12 | 17 | 0 | 0 | 57 (93) |
| Total | 1111 |
TPD total and permanent disability, DI disability income cover, BE business expenses.