Underwriting

Univita has literally written the book on long term care underwriting. The Underwriting Criteria Manual is in its 11th edition and is considered the industry’s gold standard.

The manual covers more than 300 conditions correlated to risk factors associated with the need for ongoing long term care, and is updated regularly based on changes in medical practice, extensive claims analysis, assessment of individual claims cases and other prevalent conditions.

The fast-growing aging population presents new challenges for life and long term care insurers, and Univita responds with leading-edge knowledge. This knowledge comes from our Medical Directors and underwriting staff, who have highly specialized expertise and make more than 25,000 underwriting decisions each year on behalf of our clients. It also comes from our industry research, which is leading to new underwriting insights—about the correlation between cognitive impairment and increased mortality risk, and the impact of long term care services on overall health care costs.