IC 22 Life Insurance Underwriting | Mortality, Risk Types & Rating Methods Explained Easily!
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🎬 IC 22 – Life Insurance Underwriting (Ch 1 & 2 Combined Video)
Welcome to a super-simplified explanation of IC 22 Underwriting topics – covering two important chapters in one video! Perfect for LIC agents, insurance students, and underwriters preparing for exams.
🔹 📌 Covered Topics:
Chapter 1 – Mortality, Morbidity & Risk Classification
✔️ Mortality vs Morbidity (Marne aur Bimari ke risk)
✔️ Types of Risks – Standard, Sub-standard, Preferred, Declined
✔️ Time-based Risks – Constant, Increasing, Decreasing
✔️ What is Lien? Diminishing Lien Explained
✔️ Exclusions in Insurance
Chapter 2 – Underwriting Methods
✔️ Judgment Method (Underwriter ki soch pe based)
✔️ Numerical Rating Method (Points system with Credit/Debit)
✔️ EMR = Extra Mortality Rate
✔️ Combined Effect of Multiple Risks
✔️ Back-dating concept made simple
🧠 Memory Tricks + Hindi-English Blend = 1-time Learning Guarantee!
📚 Bonus MCQs discussed at the end for practice!
💥 Ideal For:
LIC AAO, IC 22 Students, New Underwriters, and Field Agents
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