The development of aggregate factors and specific rates has a number of variables  which can be influenced by the detail submitted to the underwriter and the discretion the underwriter has based on his or her experience and management level. Having knowledge of the process will help the attendee in their efforts to receive a competitive response to a proposal request. 

Take aways:

• Knowledge of the key components of the underwriting process
• Factors that can be influence based on the information submitted
• Underwriting decision chain
• How to leverage book of business