2. Functions of the Agents Contact Disclosure Necessary arrangement incase of life insurance Complete formalities Proper service Keep in touch Guide Promote goodwill Helpful in settlement To be well familiar

3. Common requirements Proposal and other forms for grant of cover. Financial and medical underwriting. Medical examination. Agent’s confidential report. Special medical report. Double medical examination. Material information

4. Financial underwriting Every insured cannot have unlimited amount of risk coverage. The maximum amount of insurance cover that may be granted could be: Upto age 35 years= 15 times of annual income From 36 to 50 years = 12 times of annual income Age above 50 years = 10 times of annual income