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Guiding Principles

Guiding Principles for the Underwriter

The AHOU and CIU presents the following recommended principles as guidance for those who are striving to carry out the responsibilities of a professional underwriter.

It is the Responsibility of Underwriters to:

Act promptly, while exercising sound, objective and consistent judgement in making underwriting decisions.

Follow established risk classification principles that differentiate fairly on the basis of sound actuarial principles and/or reasonable anticipated mortality or morbidity experience.

Treat all underwriting information with complete confidentiality, and use it for the sole purpose of evaluating and classifying the risk.

Comply with insurance legislation and regulations, particularly as they apply to risk classification, privacy and disclosure.

Act independently and fairly.

Provide support to distribution partners, to assist them in carrying out their fiduciary responsibilities to the insurance company and their clients.

Endeavor to attain professional underwriting and insurance designations and maintain a level of professional competency through continued education.

Promote the further education of underwriters.

Maintain the dignity and sound reputation of the Underwriting Profession.

AHOU Sponsors
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  • Accenture
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  • EY
  • Friendly
  • Hanover
  • HOVIN
  • Gen RE
  • IBU
  • Lexis Nexis
  • MIB
  • Millman
  • MunichRE
  • MRS (Management Research Services)
  • Onedexx
  • Optimum Re
  • PartnerRe
  • Release Point
  • RGA
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  • Sixfold
  • RNN Group
  • Synodex
  • Swiss Re
  • s360 Life Underwriting
  • TransUnion
  • UnderwriteMe
  • VM Insurance Consulting
Become a Member
1800 M Street NW Suite 400S Washington, DC 20036
P: (202) 962-0167 F: (202) 530-0659 memberservices@ahou.org
  • Membership
    • Benefits & Options
    • Renew Individual
    • Renew Company
  • Professional Development
    • Overview
    • Advance360
    • Continuing Education
    • Scholarship
    • ON THE RISK
    • Mentoring Program
    • The Academy of Life Underwriting (ALU)
    • Canadian Institute of Underwriters (CIU)
    • Local Regional International Organizations
  • Events & Conferences
    • 2025 AHOU Conference
      • Conference Schedule
      • Hotel & Travel Info
      • Conference Speakers
      • Keynote Speakers
      • AHOU Conference FAQs
    • Industry Events & Conferences
    • AHOU Events
    • AHOU Past and Future Conferences
  • Get Involved
  • About
    • Our Story
    • Executive Council
    • Committees
      • Education Committee
      • Program Committee
      • Technology Committee
    • Past Presidents
    • Hall of Fame
    • Distinguished Contributor Award
    • Bylaws
    • Guiding Principles
  • My AHOU
    • My Account
    • Overview
    • Member Directory
    • Educational Programs & Presentations
      • Past Conference Materials
      • Advance360 Courses
  • Search
  • Contact
  • Join

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