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Manuals - Case Studies

1 – A complete new underwriting manual

SelectX was engaged to produce a complete underwriting manual for a recently established international reassurer. Our client needed to have a demonstrable underwriting policy in order to be able to lead reassurance treaties, and to be able to offer its ceding companies a comprehensive manual. The scope included medical, occupational, sports, financial and residential risks.

We worked with our client’s senior underwriting team and its medical officers to agree the core philosophy. We then authored all the content – descriptive text, evidence requirements, ratings, tools and resources – and conducted evidence-based research as required. The entire project was completed within twelve months.

SelectX helped its client achieve a strongly competitive position from which it successfully attacked new markets.

2 – Claims manual

SelectX produced a claims procedure manual aimed at life and disability clients of an international reinsurer making a push into markets outside its North American base. Using our international experience we agreed the basic claims philosophy, adding some new refinements to traditional practice so as to reflect modern product design and the latest in information-gathering and claim management techniques.

During the project we authored all content, including relevant forms and procedural and decision-making flowcharts.

3 – Delivering a manual on the Web

Having created the content of an underwriting manual we then worked closely with our client, a reinsurer, to:

  • Configure the material for the content management system being used for e-publication on the Web
  • Develop the business specifications for various pieces of functionality including a tool to evaluate cardiovascular risk
  • Manage a re-branding process
  • Test the system, and
  • Manage the entire project.
By working with SelectX our client benefited from a first-class web-based manual with competitive functionality, whilst being able to concentrate its precious internal resources on other areas.

4 – Critical illness ratings review

This project was the review of the critical illness ratings in the underwriting manual of a major reinsurer. The aim was to bring the ratings up to date, reflecting changes to product design and latest industry practice. Our client took advantage of our understanding of critical illness pricing and our extensive medical knowledge gained though long experience in underwriting and associated research.

We made significant changes to a wide range of ratings, enabling our client to apply a more scientific and cohesive underwriting philosophy, improving both its competitive position and its standing in the market place. As with all our projects, we delivered better quality, and more quickly than the client could have achieved using its own resources.

Make your underwriting and claims manual do more for your business; make it distinctive and a source of competitive advantage. For more information, contact us.