Sandy J. Kelly, FLMI Vice President & Chief Underwriter, John Hancock
Barbara J. Lutz, FALU, FLMI, ACS Director, Line Underwriting Life & Health, CUNA Mutual

If all of the corporate waste and redundant staff were cut out of an organization, the addition to the bottom line would not exceed the mortality savings achieved through consistent underwriting decisions that align with pricing. A strong internal underwriting audit program is a critical component to this formula. Whether a small or large organization, one with a fine tuned audit program or none, this session will generate at least one new idea and possibly plant the seeds for a complete audit overhaul. Learn about a program developed in spite of minimal available management information and see what can be accomplished with the benefit of robust management information. Empower your underwriters through a well defined, well managed underwriting audit program. The underwriting department holds the mortality purse strings. Given the right audit program, underwriters can maximize profits and be one of the most valuable assets in the organization (despite what the actuaries and marketing department might say!).