Underwriting

A much misunderstood area, phobias can make sufferers' lives unbearable. Rachel Hanslope outlines the various forms phobias can take and details the implications for underwriters.

With so many potential causes and a high probability of the loss of sufferers' livelihood, renal disease is one condition insurers are seemingly not keen on covering, as Wendy Hickman writes.

With numerous types of epilepsy and a variety of different kinds of epileptic seizure, underwriting for customers living with the condition can be troublesome. Vanessa Leyland fills in the gaps.

With the variance in survival rates so dependent on type, insurers underwriting clients with brain tumours must stay informed on all the relevant statistics. Angela Kidd provides the details.

Depending on the variation of cerebral palsy a person suffers from, insurers can range from offering cover at standard rates to declining the application altogether, writes Lea Taylor

Edward is 32 years old and has just moved in with his girlfriend Jo who is also 32. He works as a lecturer at the local university and has, until the recent smoking ban, indulged in a 20-a-day smoking habit. Much to the delight of Jo, he has now stopped...

With the media focus on alcoholism making people rethink their drinking habits, Emma Gregson looks at the implications alcohol misuse and dependence has on premium ratings

With so many different variations of aneurysms, understanding the difference is key to deciding what kind of cover can be offered to those living with the condition, says Debra Bradley

While thyroid disorders are relatively low risk, lack of control over the condition could cause problems for potential policyholders, reveals Daniel Patrick

Insurance providers need to look more closely at increasing levels of extreme drinking in the UK and the impact they may have on early death claims, explains Paul Edwards