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440 Alternative decision-support systems
Proposal on underwriter's
desk
Send for evidence Accept/reject on
basis of information
on proposal form
Types of evidence
Assess evidence
Figure 17.1 – Underwriting options
Accept/reject on
basis of evidence
Ordinary rates
Extra charged
Exclusion clauses
Reinsure
Reject
novice underwriter who had in front of him a completed life-proposal
form. The senior underwriters’ task was to help the novice come to
an underwriting decision by means of telephone communication. The
sequence of rule testing engaged by the expert was recorded by the
knowledge engineer and provided one means of identifying the priority
of rules.
One set of rule testing with high priority is given below:
Has every question on the proposal form been answered?
IF yes THEN ask:
Is the current proposal sum insured within no evidence limits?
IF yes THEN ask:
Are there any previous sums assured in force?
IF no THEN ask:
Are height and weight within acceptable parameters?
IF yes THEN ask:
Are there any other questions on the proposal form that are answered
‘yes’?
IF no THEN ACCEPT PROPOSAL.