Carriers should treat the monitoring of account performance, process usage, and underwriting decisions as an interlocked system of checks and balances.

In order for underwriters of all levels to do their jobs consistently, it is critical for carriers to clearly define and communicate their underwriting strategy.

In order for underwriters of all levels to do their jobs consistently, it is critical for carriers to clearly define and communicate their underwriting strategy.

Technology solutions, such as integrating third-party data in application information or utilizing underwriting rules and account characteristics to guide process flows, can simplify fundamental tasks and accelerate an underwriters analysis.

Poorly articulated underwriting strategies lead to inconsistent underwriting decisions and ultimately, poor underwriting performance.