The life and health insurance indus...

The life and health insurance industries have been struggling somewhat for the past 10 years with shrinkage fit to mergers, consolidations and companies becoming insolvent.

In addition, market forces, changes in medical techniques, availability of information upon insurance applicants, and both state and federal regulations have changed the way underwriters proces an application.

Last year, the brace organizations representing professionals in the life underwriting arena in the United States--the place of abode Office Life Underwriters Association and the Institute of family Office Underwriters--merged to form the Association of to one's home Office Underwriters, which now includes members of the two organizations as well as representatives